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COVID-19 Insurance FAQ - See More Info
Consumers searching for health insurance coverage since the passage of the Patient Protection and Affordable Care Act of 2009 (PPACA) should be on the lookout for scammers hoping to take advantage of the confusion surrounding the details of the new law. The Delaware Department of Insurance (“DOI”) is receiving complaints about scam artists going door-to-door selling “ObamaCare” insurance policies or claiming there is a limited open-enrollment period to buy health insurance. Some of these scam artists have even set up bogus toll-free numbers to sell policies.
DOI warns consumers who have been offered a policy that is a “limited-time offer”, has limited benefits or is advertised as necessitated by health insurance reform, to STOP before making a payment, CALL their state insurance department and CONFIRM the policy, agent and company are legitimate.
No Immediate Changes
While there are many changes coming in the health insurance marketplace, there are no provisions in the PPACA that require consumers to make immediate modifications to their health coverage. Many of the initial changes will go into effect six months from when the law was signed by President Obama – or September of this year. Until then, state insurance regulators, the National Association of Insurance Commissioners (“NAIC”) and the federal government are working on implementing the changes. This means designing and putting into place at the state level many of the new consumer programs and regulations.
Don’t be Misled
Here are some important “red flags” to watch out for:
More Information
For a list of the changes included in the PPACA and when they will go into effect, visit healthcare.gov. Information can also be found on whitehouse.gov/healthreform and the DOI’s Health Care Reform web page. For more information about auto, home, life and health insurance options, as well as tips for choosing the coverage that is right for you and your family, call the DOI Consumer Services hotline at (800) 282-8611.
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