We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Delaware and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new DE Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Delaware and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
Delaware State Health Insurance Laws
It is important to understand Delaware health insurance regulations before applying for new coverage. In Delaware, health insurance companies are not required to accept your application; they decide to insure you or not based upon many factors including medical history. There is no limit to the amount of money and insurance company can charge an individual who they consider to be a higher risk. Once you are insured, no Delaware health insurance company can cancel your policy assuming all of your premiums are paid to date. Let us help you get a
Delaware is a little different than other states in the fact that they use the Prudent Person Standard in their pre-existing clauses. This basically means symptoms a "normal person" would seek medical advice for; this would be included in your elimination period. If you are resident of Delaware and need help getting your children medical treatment you should look into the
Like many other residents of Delaware, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Delaware Residents to continue getting their Delaware Group Health Insurance even if they are not employed by their employer anymore. Delaware COBRA Health Insurance is similar to most other states in the fact it only lasts for 18 months, in most instances.
Far too often, college students find themselves paying a lot for Delaware Student Health Insurance. This does not have to be the case. It does not matter if you go to The University of Delaware, Wilmington College, Delaware State University or any other college, we can help you find an affordable Delaware Student Health Insurance policy. There are certain requirements Delaware has for its student health insurance policies, but for the most case DE Student Health Insurance is very affordable. To get a quote just click here!
Delaware Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Delaware Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Delaware Health Insurance Professional will contact you.
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Top Rated Delaware Health Insurance Companies
Blue Cross Blue Shield of Delaware – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Delaware insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Delaware is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Delaware. Not only does Humana offer Health insurance in Delaware, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Coventry – also known as Coventry Health Care of Delaware, has been in business since 1988. They are a unique health insurance company because they specialize in offering Delaware residents self employed health insurance as well as short term health insurance. Currently their network includes over 210 hospitals in the area.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Delaware!
