1. The official who heads the Delaware Department of Insurance and oversees health insurance regulation holds that office by being:

Elected by Delaware voters

Delaware is one of the states in which the Insurance Commissioner is an elected official chosen by the voters rather than appointed.

2. If a member health insurer becomes insolvent, covered Delaware policyholders may have certain benefits protected up to statutory limits by the:

Delaware Life and Health Insurance Guaranty Association

The Delaware Life and Health Insurance Guaranty Association safeguards covered policyholders within statutory limits when a member insurer fails.

3. A Delaware insured whose health claim is denied as not medically necessary generally has the right to request:

An independent external review of the adverse determination

Delaware law gives insureds the right to an independent external review of certain adverse health benefit determinations.

4. Delaware law requiring health insurers to pay or deny clean claims within a set time is generally known as a:

Prompt-payment requirement

Prompt-payment laws require insurers to act on clean claims within a defined period or face interest and penalties.