Delaware has expanded protections for certain kinds of health insurance beyond what federal law requires. However, the state still has an exceptionally high number of uninsured residents. More than 20 percent of residents in the sunshine state are living without health coverage. In Delaware, your health insurance options are somewhat dependent on your health status. But even if you are sick you should know that the laws protect you in many ways. Here is additional information on finding affordable and reliable health coverage in your community.
Delaware Individual Health Insurance
In Delaware, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. Delaware health care providers are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
Delaware Group Health Insurance
Delaware group health insurance is sold to businesses and organizations in Delaware who then provide coverage to their employees and members. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law. Under this coverage, you cannot be turned away or charged more because of your health status. Health status means your medical condition or history, genetic information or disability.
Delaware Family Health Insurance
Keeping your family healthy is essential to enjoying the best quality of life in the sunshine state. Family health insurance is one of the best ways to protect their health. It is very important that you balance the cost of coverage with the medical care your family needs. You may want to take less risk with your family health insurance than you would with your own. You need to take your family’s health and needs into account, as well as your own, when choosing affordable family health insurance.
Delaware Short Term Health Insurance
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. A short term health insurance plan in Delaware may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap.
Delaware Student Health Insurance
When attending college in Delaware, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have college student health insurance. Use of the university student health center in Delaware is included in your tuition, but the center only offers basic health care.
