Delaware private plans must cover medically needed skin removal, excluding limited benefit policies

Private insurers must cover medically needed removal of excess skin and tissue, including surgery to remove excess belly skin and fat. This covers individual, group, and blanket health insurance delivered, issued, renewed, extended, or changed in Delaware. Limited benefit policies, including accident-only coverage, are excluded. Patients may still pay a deductible or part of the cost. Plans may limit payment amounts or require approved providers and facilities. The requirement applies to policies, contracts, or coverage certificates issued, renewed, reissued, or changed after December 31, 2026.

The state employee health plan and Delaware Medicaid plans must cover medically needed removal of excess skin and tissue. This includes surgery to remove excess skin and fat from the belly when it is medically needed. The requirement applies to policies, contracts, or coverage certificates issued, renewed, reissued, or changed after December 31, 2026.