Delaware requires private insurers to cover medically necessary mental health and substance use care under gold-standard clinical guidelines

private health insurance enrollees

Enrollees gain guaranteed coverage for medically necessary mental health and substance use disorder treatments, elimination of prior authorization delays for emergencies, and zero-cost out-of-network access when in-network providers are unavailable.

health insurance carriers

Carriers must update their policy definitions, formulary tiers for addiction medications, and clinical review standards, and they must provide NQTL parity analyses free of charge upon request.

mental health and substance use disorder treatment providers

Providers experience fewer administrative barriers and coverage denials when delivering medically necessary care to patients.