There is simply no good reason why you’re unable to get proper Delaware Health Insurance Coverage. Plenty of options are available for you so that you can have the insurance you need to help pay for the medical services you require.
Private Delaware Health Insurance
The first main option is to just purchase an affordable Delaware health insurance plan from one of the carriers in the state. We can help with that. On our search bar, just enter your zip code, and you will then be shown various health insurance plans available from carriers like Golden Rule, Cigna, and Aetna. Compare the plans and pick the right one that offers the benefits you need.
Small Business Health Insurance Delaware
For many people, health insurance is easily enough obtained through their employer. Your employer can enroll you in their group health insurance plan, and can even pay for a percentage of the monthly premiums. Not only is this option more affordable for you, but you’re also assured that you won’t be denied coverage simply because you have a preexisting medical condition that the carrier would prefer not to cover.
However, if you’re a new employee, then there may be a waiting period involved during which you’re not covered. To compensate for this, you can obtain a short-term policy for the duration of the waiting period.
You can also use the COBRA program if you previously had health insurance with your employer. This can be extended for 18 months, although you may have to pay for the whole premium yourself.
It’s important a lapse in coverage doesn’t exceed 63 days. After this period, carriers can refuse to cover a pre-existing condition during the first year of your new policy.
You can also set up a health insurance option if you’re a small business owner. If you’re the sole proprietor and lone employee, you can apply for a sole proprietor plan, which has less stringent conditions than a typical private health insurance plan.
If you have at least two employees (you can consider yourself an employee), then it’s also possible for you to apply for a small group plan. Your employees can be covered if they each work at least 30 hours a week.
Medicaid & Low Income Health Insurance Delaware
Some people may not be able to obtain private or employer-sponsored health insurance. If you’re among them, you can still obtain coverage through Medicaid. This program is expressly designed to enable low-income families to receive medical services and health insurance benefits without being required to pay a premium. However, there are stringent eligibility standards, and your income must not exceed the stated limits.
However, you can be employed and still be eligible for Medicaid. In fact, your current resources do not factor into your Medicaid eligibility. So you can have your own home, a car, and even a hefty bank account and you may still be eligible for this program. Also, you may have another health insurance already in place and still qualify for Medicaid.
For the most part, however, Medicaid beneficiaries are low-income families with no insurance. These include needy families with children, low-income adults between the ages of 19 to 64, low-income pregnant women, children under 19, and some children who live with their grandparents, stepparents, and siblings.
If you’re enrolled in the Medicaid program, you will then need to choose a family doctor who will work with a managed care organization or MCO. They are the ones who will arrange or provide for your medical needs and preventive services.
Delaware Healthy Children Program
This is the program that ensures that children from low-income families have easier access to proper health insurance. Children can qualify if they don’t have comprehensive health insurance and are not dependents of a State of Delaware employee.
For this program, the income ceiling is 200% of the federal poverty level. This means that a child who has two parents can get proper health insurance if the total household income does not exceed $41,560.
Your child doesn’t qualify for this program if they already have insurance, even if you feel that this is very expensive. If you drop from your health insurance voluntarily to take advantage of the DHCP, your children won’t be eligible for six months after the drop date.
The only way this six-month waiting period can be waived is if the adult’s employer health coverage is terminated, if COBRA insurance has expired, or if a parent has died.
This program requires monthly premiums, and these need to be paid for the children to enjoy continuous coverage for at least 12 months. But these premiums are much more affordable than typical premiums for private health insurance. Depending on the household income, the premiums can range from $10 to $25 a month.
In return, children can enjoy regular checkups and immunizations. They can receive doctor services and hospital care along with ambulance services. The cost of prescription drugs are covered as well. They can also receive treatments for drug and alcohol abuse, physical therapy, speech and hearing therapy, and mental health counseling.
The best thing about this plan is that there are no co-payments required for any of these medical services. You only need to cover the small monthly premiums, and you can make sure that the costs of the medical services for your child are all covered.
Delaware Open Enrollment 2019 & Delaware Obamacare Insurance
The Delaware Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Delaware, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.