Two Additional Health Insurance Plans Now Available on the Marketplace

Two Additional Health Insurance Plans Now Available on the Marketplace

 Commissioner Stewart Announces Federal Renewal of Highmark Multi-State Options

 DOVER, DE–Insurance Commissioner Karen Weldin Stewart is pleased to announce that the U.S. Office of Personnel Management, OPM, has certified two multi-state health plans to be sold on the Delaware Health Insurance Marketplace for Plan Year 2015. OPM advised the Commissioner that contracts have been signed with the Blue Cross and Blue Shield Association, on behalf of its local plans, to renew two additional health insurance options under the federal Multi-State Plan Program.

 

The two plans increase the number of plans offered on the 2015 Marketplace to 25, four more than this year’s choices. Multi-state plans may be sold only through the Health Insurance Marketplace and must include the essential health benefits offered on all Marketplace plans. Enrollees in Multi-State Plans are eligible for the same income-based savings as enrollees in other Marketplace plans.

 

All 25 plans are available until the close of open enrollment, February 15, 2015. If you want coverage to begin on January 1, 2015, you must enroll or re-enroll in a plan by December 15, 2014.  For more information, go to www.choosehealthde.com.

 

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For more information contact Jerry Grant at 302-674-7303

 


It’s Time to Think about Your Health Insurance Coverage

It’s Time to Think about Your Health Coverage

Whether you’re covered under Medicare, or don’t have any health insurance at all,
the time to review your health coverage is fast approaching

 

DOVER, DE–If you are unhappy with your health insurance coverage, or don’t have any at all,Delaware Insurance Commissioner Karen Weldin Stewart wants to alert you to two important sets of dates coming up soon.

October 15 through December 7 is the time for Medicare Open Enrollment.  It’s the time when all people with Medicare are encouraged to review their current health and prescription drug coverage, including any changes in costs, coverage, and benefits that will take effect next year.

Call the Delaware Medicare Assistance Bureau, DMAB, at 1-800-336-9500 for help with all of your questions related to Medicare and Medicare prescription drug plans, such as Part D. You can also get information on DMAB’s website, www.delawareinsurance.gov/DMAB. Staff and trained volunteers are available to meet with Medicare recipients at various locations throughout each county to review your current prescriptions and options in-person.

If you want to change your Medicare coverage for next year, this is the time to do it. If you’re satisfied that your current coverage will continue to meet your needs for next year, you don’t need to do anything. Staff members are also able to help with questions about Medicare Advantage plans.

If you are not on Medicare and need health insurance, November 15 through February 15 is the open enrollment period for the Health Insurance Marketplace at www.HealthCare.gov.  If you need to enroll in a plan, or review your current plan and options, visit www.ChooseHealthDE.com to get connected to free, local help from a trained Marketplace Guide. Help is also available by phone at 1-800-318-2596 (this number connects to a national call center).

Many individuals and their families will qualify for federal subsidies to help lower health insurance premiums. Talk to a Marketplace Guide or set up an account on Healthcare.gov to get more information about plans and coverage available, as well as costs and subsidies.

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Know Your Open Enrollment Dates 2014

Delaware Department of Insurance: “Protecting Delawareans through regulation and
education while providing oversight of the insurance industry to best serve the public.”


Commissioner Stewart Submits Rate Filings for 2015 Marketplace Plans to CMS for Review; Includes Plans with Reduced Rates

Dover, DE–Insurance Commissioner Karen Weldin Stewart, CIR-ML, announced that the Delaware Department of Insurance will submit the 2015 rate filing requests covering plans to be offered on Delaware’s Health Insurance Marketplace to the Centers for Medicare & Medicaid Services, CMS, today. Commissioner Stewart reviewed the filings submitted by the insurers and successfully worked with one of the insurance companies to reduce the requested rate increase of some plans.

Commissioner Stewart stated, “The Department of Insurance is tasked with protecting consumers and we go about our work with the best interest of Delaware’s consumers in mind. The department strives to strike a balance between protecting consumers and ensuring that insurance carriers are able to generate the necessary revenues to meet their financial obligations. I am very pleased that one of the insurance companies worked with us to lower their requested rate increase from the rate originally submitted.”

The Commissioner also noted that, “Overall, we are pleased to see more plans offered on the market and the requested rate increases were generally lower than what some other states have seen.”  The Health Insurance Marketplace will offer 25 plans for individuals this year, four more than were available during this past enrollment period. There will be 16 small business group plans to choose from for 2015, up from 11 this year.

Rate filing requests from the insurance companies that will be offering plans on the Marketplace were received by the Delaware Department of Insurance in June and were reviewed by the department’s actuaries to see if the requested changes in rates were justified. The rate filings were posted on the Department of Insurance website in July and public comments were accepted for a two week period. The rate filings will now be submitted to CMS for review. CMS has the final authority to approve or deny the requested rates. A response from CMS is expected sometime in late October or early November, ahead of the start of the open enrollment period which begins November 15.

The open enrollment period for individuals who wish to purchase health insurance plans through the state/federal Health Insurance Marketplace will begin on November 15, 2014, and will end February 15, 2015. Consumers can utilize www.choosehealthde.com or call 1-800-318-2596 to get information or enroll in a plan for 2015. It should be noted that the Delaware Department of Insurance does not administer or provide customer support for the state’s website, www.choosehealthde.com, or the federal website, www.healthcare.gov.

For help with insurance matters, such as questions about your health insurance after you have enrolled in a plan, call the Delaware Department of Insurance at (302) 674-7300 or (800) 282-8611 for Consumer Services. Visit our website, www.delawareinsurance.gov, and “Like” the Department on Facebook at: www.facebook.com/DelawareInsurance. Follow us on Twitter @Delaware_DOI.

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Delaware Department of Insurance: “Protecting Delawareans through regulation and education while providing oversight of the insurance industry to best serve the public.”