Find out how the company services its policyholders. Does the company have a toll-free customer service number?

Has the company had an unusually high number of consumer complaints?

Call the Insurance Department to find out if the insurance company and its sales staff are licensed to do business in Delaware.

Premiums for health insurance will vary greatly because there are no standard plans. When you look at bids from several companies, you will also need to look carefully at the benefits offered. Also, keep in mind that the actual cost for your health coverage will be determined after you submit information about your health.

Financial stability helps ensure that a company can pay its claims. The Insurance Department establishes requirements that each company must follow and continually monitors the financial stability of insurance companies operating in Delaware. Call the Department to find out if a particular company is in good standing. Independent organizations, such as AM Best and Standard & Poor, also rate the financial stability of insurance companies. Remember, these ratings are opinions only and do not guarantee that a company is financially sound.