Delaware Health Insurance (DE)
Delaware is a small state with a big heart. Delaware Health Insurance works for you to make sure you and your family are covered with appropriate health insurance to your needs.
The Delaware Health Insurance Healthy Children Program is low-cost health insurance program for children from low-income families, costing between $10 and $25 a month no matter how large the family is. It covers doctor visits, hospital stays, prescriptions, dental, optical and more.
The Delaware Health Insurance DHCP program, which is also known as the State Children's Health Insurance Program or SCHIP, is operated by the Delaware Health and Social Services, but the Delaware Insurance Commissioner's Office is currently working to help add more children to the DHCP rolls.
The Delaware Health Insurance DHCP coverage includes: check-ups; prescription drugs; eye exams and glasses; dental care; routine shots; tests and x-rays; speech and hearing therapy; hospital stays; specialists; mental health counselling; and drug and alcohol abuse treatment.
For every three months a family pays in advance, the Delaware Health Insurance DHCP will give them the fourth month free. There are no co-payments, except for when visiting a hospital emergency room for a non-emergency.
The Delaware Health Insurance Healthy Children Program does not exclude children because of pre-existing health conditions.
To be eligible for the Delaware Health Insurance DHCP, children: cannot have comprehensive health insurance; must be under the age of 19; must live in the State of Delaware; must be U.S. citizens or qualified non-citizens; must not be dependents of a State of Delaware employee; and must have a family income at or below 200 percent of the federal poverty level.
Many parents in Delaware can purchase Delaware Health Insurance coverage for their adult children up to age 24 as a part of the parent's policy so long as the child is attending college or lives in Delaware.
In the past, adult children were generally removed from their parents' Delaware Health Insurance coverage when they turned 18 unless they were full-time students. But now under a new law advocated by the Insurance Commissioner's Office and passed by the Delaware General Assembly in 2007, Delaware Health Insurance companies are mandated that they must offer parents the option to buy continued coverage under their employer or family plan and to do so at a fraction of what it would cost to purchase an individual policy for the young person.
Delaware Health Insurance offers a Delaware Prescription Assistance Program (DPAP) which is designed to help pay for prescription medications for the elderly and/or disabled who are not able to pay for the full cost of filling their prescriptions. The program is designed to assist eligible individuals who have no prescription insurance other than Medicare Part D, and whose income is at or below 200% of the Federal Poverty Level (FPL), or if their prescription costs exceed 40% of their income.
The Delaware Health Insurance DPAP program will provide all eligible individuals with up to $3,000 per year towards their required prescription drugs. The program will cover costs for diabetic drugs or supplies for Medicare recipients. Medicare currently provides this coverage for both insulin and non-insulin dependent patients.
Delaware Health Insurance DPAP clients are required to make a co-payment of 25% of the cost of the prescription, or a minimum of $5. The co-pay paid to the dispensing pharmacy. The pharmacy then submits a claim for the balance of the cost to DPAP and is reimbursed directly.
Delaware Health Insurance Medicaid provides medical assistance to qualified low-income families and to older, blind and/or disabled people whose income is insufficient to cover the costs of required medical services. Delaware Health Insurance Medicaid pays for: doctor visits, hospital care, labs, prescription drugs, transportation, and routine shots for children, mental health and substance abuse services.
The majority of people who qualify for Delaware Health Insurance Medicaid must pick a family doctor who, along with a managed care organization (MCO), will provide or arrange for all your preventive care and medical needs.
To learn more about all of the great offerings of Delaware Health Insurance start your research by using www.healthinsuranceusa.com
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