Consumer Advisory Issued Regarding Vaccine Insurance Coverage In Delaware

September 10, 2025/Joe Ciccanti

Residents in the First State are reaching out, concerned that they will lose coverage for and access to immunizations, according to the Delaware Department of Insurance. In response, Insurance Commissioner Trinidad Navarro has shared that several commercial carriers have agreed to maintain their current vaccine coverage levels, and the department is providing consumers with updated information from all insurers operating in Delaware. Navarro said that vaccines play a key role in saving lives, reducing costs, and preserving health care capacity. 

Additional Information from the Delaware Department of Insurance:

AHIP, America’s Health Insurance Plans, a national association, stated “As we navigate an evolving health care landscape, maintaining robust immunization coverage continues to be a top priority for protecting both individual and community health. We are committed to ongoing coverage of vaccines to ensure access and affordability for this respiratory virus season. We encourage all Delaware residents to talk to their health care provider about vaccines.”
Aetna CVS Health said “From an Aetna perspective, we continue to provide coverage for approved vaccines, including COVID-19, in compliance with applicable state and federal cost-sharing requirements. All members of insured plans voluntarily choosing to vaccinate against COVID-19 may do so with no cost sharing.”
“In addition to offering fully insured plans, Aetna also administers benefits on behalf of thousands of self-funded employers. As with all coverage decisions, self-funded employers determine their own insurance coverage as allowed under various federal and state laws.”
 
AmeriHealth Caritas said “AmeriHealth Caritas supports our members who choose to get vaccinated by providing vaccine coverage. This coverage is in line with the preventive care service requirements in the Affordable Care Act (ACA). We encourage all Delaware residents to talk to their healthcare providers regarding vaccinations.”
 
Delaware First Health, also known as Centene, Celtic, and Ambetter Health of Delaware, reported that “We’re committed to providing coverage for evidence-based treatments, including vaccines. Ambetter Health of Delaware continues to cover COVID-19 and other vaccinations in alignment with public health guidance, and we encourage members to consult with their physician about all care needs, including vaccinations.”
 
Highmark shared “Highmark has not changed our vaccine coverage or medical policies on vaccinations. Members should be always consulting with their physician about personal health care needs.”
 
UnitedHealthcare stated “There have been no immediate changes to vaccine coverage for our commercial members. We continue to monitor and evaluate the latest guidance.”
 
Cigna did not share commitments at the time of this advisory but is a member of AHIP. The web posting will be updated if shared at a later date, or if carriers modify their coverage determinations.
 
The Department of Insurance will continue to work with state partners to ensure that vaccine coverages are not diminished. In their commitments to coverage, insurers must provide adequate access to the immunizations offered. Sites of care may shift as health providers and pharmacies determine their paths forward, but carriers will work to ensure continued access even at different network providers. Should insurers’ coverage change, regulatory and/or legislative requirements will be developed.
This consumer advisory does not advise on coverage outside of the commercial market, such as through a self-insured employer, or Medicare Advantage plans, which are not regulated by the Department of Insurance.

 

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