• Aetna
• Blue Cross and Blue Shield
• Celtic

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• HumanaOne
• United Healthcare

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

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• Kaiser Permanente
• Sterling Insurance
• Unicare
• WellCare

Basic Delaware Health Insurance Plan Information

Many medical plans typically cover a comprehensive array of health care needs, including doctors' visits, drugs and hospital care. These benefits can be delivered in several different ways:

Indemnity plan. These medical plans typically have a deductible - the amount you pay before the insurance company begins paying benefits. After your covered expenses exceed the deductible amount, benefits usually are paid as a percentage of actual expenses, often 80 percent. These plans usually provide the most flexibility in choosing where to receive care.

Preferred Provider Organization, or PPO. In these medical plans, the insurance company enters into contracts with selected hospitals and doctors to furnish services at a discounted rate. As a member of a PPO, you may be able to seek care from a doctor or hospital that is not a preferred provider, but you will probably have to pay a higher deductible or co-payment.

Health Maintenance Organization, or HMO. These medical plans make you choose a primary care physician, or PCP, from a list of network providers. Your PCP is responsible for managing all of your health care. If you need care from any network provider other than your PCP, you may have to get a referral from your PCP to see that provider. You must receive care from a network provider in order to have your claim paid through the HMO. Treatment received outside the network is usually not covered, or covered at a significantly reduced level.

Point of Service, or POS. These medical plans are a hybrid of the PPO and HMO models. They are more flexible than HMOs, but do require you to select a primary care physician (PCP). Like a PPO, you can go to an out-of-network provider and pay more of the cost. However, if the PCP refers you to an out-of-network doctor, the health plan will pay the cost if the insurance plan has authorized the referral.

While many health insurance plans are regulated by the Delaware Insurance Commissioner, some are not.