Insurance commissioner Stewart provides tips for confirming health coverage

The National Association of Insurance Commissioners (NAIC) and the Delaware Department of Insurance have some tips for confirming coverage if you still haven't received proof of insurance from your insurance company.

Since open enrollment began Oct. 1, insurance companies have had some difficulties that have prevented the companies from being able to enter new numbers into their systems. Consumers should contact their insurance company to verify coverage. Insurance commissioner Karen Weldin Stewart stated, "The insurance company will be able to verify if you are indeed enrolled in a plan or not." When you speak to your insurance company, take detailed notes of the conversation. Include the date and time that the conversation took place, and the name of the representative. Hold on to copies of any written communication you received from your insurance company such as emails or letters as you may need these materials later.

If you have yet to purchase coverage but are planning on buying insurance through the federal Health Insurance Marketplace, print out any paperwork or confirmations that you receive during the enrollment process. If you do not have a printer save digital copies of forms or take "screenshots" of any confirmation numbers or account numbers.

Individuals have until March 31, to enroll in a health insurance plan in order to meet the Affordable Care Act's "individual mandate" without incurring a penalty or fee from the IRS.