Delaware health insurance plans are designed to help citizens to access low-cost, high-quality health coverage available through the Delaware Health Insurance Marketplace.
Health Insurance in Delaware: Quick Facts
- Delaware’s marketplace is a combined initiative of partnership between the state and HHS.
- The date of open enrollment for 2019 coverage in Delaware was ended on December 15. However, a Delaware resident can enroll for the coverage if has been passing through certain qualifying events.
- Delaware health insurance marketplace offers limited Short-term health plans with initial plan terms up to three months.
- It’s estimated that about 24,500 Delaware citizens enrolled in 2018 coverage through the Delaware exchange.
- Delaware health insurance marketplace started offering ACA’s Medicaid expansion in 2014.
- 21 percent of the state population has been availing Federal Government’s Medicare program.
Delaware’s Health Marketplace:
Delaware health insurance marketplace is known as Choose Health Delaware. The marketplace runs in the collaboration with federal government of the United States. Delaware health marketplace does offer health insurance plans under Affordable Care Act.
The state has low uninsured rate as the most population got covered under the Affordable Care Act took effect. As per the government stats, from 2013 to 2016, the state has seen incremental drop in uninsured population (from 9.1 percent to 5.7 percent).
Delaware Health ratings
In 2015, Delaware was ranked 15th in the nation for overall health. The ranking maintained the ranking in 2017. However, in 2019, it was dropped to 27th position. The ranking was given on the basis of several important parameters including Access, Prevention & Treatment, Avoidable Hospital Use & Costs, Healthy Lives, and Equity.
On June 15, 2015, HHS granted approval on conditions for Delaware’s plan to transition from a state-federal partnership exchange to a federally supported state-based marketplace.
Health Insurance Plans in Delaware
Health insurance in Delaware is a way for citizens to pay for their health care expenses when their lives are going through a transition phase. The coverage protects citizens from paying up the expensive cost of medical services when you’re in medical emergency. When you buy a Delaware health insurance plan, you pay a monthly insurance premium. In return, health coverage provider agrees to pay a portion of your medical costs incurred.
Short Term Health Insurance Plans
Short term health insurance plans in Delaware are underwritten and covered by Golden Rule Insurance Company. These plans offer flexible health insurance coverage solution to the beneficiaries when they need it the most. A short term health plan can offer you a range of short term benefits if you missed to apply for Affordable Care Act coverage.
You can also apply for short term health insurance if your ACA coverage is in waiting or if you’re discovering coverage plans to bridge Medicare benefits. There are multiple reasons why these plans are popular in the city:
- Faster coverage
- Choice of deductible amount
- Ability to choose length of coverage
- Drop coverage with no penalty
- Extensive network of health care professionals and approximately 6,000 hospitals.
- Lower premiums than with ACA programs
Dental Insurance Plans
In Delaware, Dental insurance plans offer beneficiaries coverage for common issues related dental health. These plans allow beneficiaries unrestricted access to the widest network of thousands of dentists and hospitals where dental care services are offered. Such plans are the best help for individuals, families and groups who are looking for budget to pay for dental services at all levels, preventive, basic and major.
Flexible and convenient Plans
There are many reasons out there why these dental insurance plans are popular I the state. The plan covers expenses on preventive care such as routine cleanings and fluoride treatments without deductibles and any stipulated period. In addition, the plan offers access to the dental network of more than 85,000 dental offices, in private and retail settings.
The plan is available to every citizen in the Delaware without any standard age restriction. Even some carriers offer the coverage to the Medicare beneficiaries or other older adults.
Like dental insurance, Vision insurance is another insurance plan available to the Delaware residents with excellent coverage benefits. The insurance is designed to offer beneficiaries budget to cover expenses for ongoing vision care like routine eye exams, prescription glasses and contact lenses.
In Delaware, vision insurance plans are underwritten by Golden Rule Insurance Company. The plans cover people of all the ages and without any waiting period at all. Some plans with individual insurance companies offer coverage for the expenses to be paid on eye exams, eyeglasses and ocular surgery etc.