At InsureMe, we know how important having the right Delaware health insurance really is. At a time when you need financial support to help you through an illness or medical emergency, Delaware health insurance can be crucial.
We'd like to help you prepare for just such a time. With a word from you and a little information, we'll go the extra mile to help you find the Delaware health insurance you need from just the right provider.
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Due to rising health care costs, more and more Delaware residents are either going without insurance, or are switching from traditional fee-for-service plans to managed care plans. The main differences between the two types of Delaware health insurance are the number of limitations and the cost involved.
Fee-for-service plans pay for each medical service as it is provided, according to a predetermined fee schedule set by your insurer. Under this type of Delaware health insurance, you are not required to designate a primary care physician (PCP), and can seek health care from any provider without a referral.
Some fee-for-service plans impose a deductible which you must pay before your insurance begins paying; others cover expenses at an 80/20 ratio, which means the insurance company pays 80 percent of the total bill and you pay 20 percent. Medical costs under this type of Delaware health insurance tend to be higher; so many people choose instead a managed care plan, which is less expensive.
Managed care plans include HMOs, PPOs and point-of-service plans. These Delaware health insurance plans provide you comprehensive services and medical treatments for a periodic, fixed fee. However, this type of coverage usually requires that you use contracted health care providers, who service your health needs at discounted rates. If you see a provider outside the contracted network of Delaware health care providers, your insurance company may not cover the cost, except in case of emergency.
Getting Maximum Protection
If you think you may need extra benefits your Delaware health insurance policy doesn't cover, consider purchasing supplemental health insurance. This type of plan picks up where other plans leave off, and is best used as an enhancer to your usual Delaware health insurance plan. You can use supplemental coverage to pay for the deductibles, copayments or other charges associated with your regular Delaware health insurance coverage.
Some supplemental health plans you may want to consider include those for specific diseases, such as cancer; Medicare supplements; accident insurance and disability. Depending on your situation and family history, it might be wise to examine if you are likely to need one of these types of supplemental Delaware health insurance.
One word of caution: supplemental policies often impose waiting periods before coverage begins. So make sure you know and understand these limitations before you purchase a supplemental Delaware health insurance plan.
Don't wait until illness or injury places you on the sidelines. Buy the Delaware health insurance protection you need now, and prepare for the future.
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