Delaware Code Title 18. Insurance Code § 3571BB. Services related to termination of pregnancy

(1) “Carrier” means any entity that provides health insurance in this State that is subject to the provisions of this chapter.  “Carrier” includes an insurance company, health service corporation, managed care organization, health maintenance organization, and any other entity providing a plan of health insurance or health benefits subject to state insurance regulation.  “Carrier” also includes any third-party administrator or other entity that adjusts, administers, or settles claims in connection with health benefit plans.

(2) “Health benefit plan” means as defined in § 3342A of this title.

(2) A carrier must provide coverage for the full scope of services permissible under the law.

(3) Coverage provided under this section may not require a referral or prior authorization as a condition of coverage.

(4) If a policy or contract limits an insured's access to a network of participating providers for other health-care services, then it may limit access for services related to termination of pregnancy, but the policy or contract must include in all its provider networks a sufficient number of providers of termination of pregnancy services to accommodate the direct access needs of their enrollees.

(c)(1) A religious employer may request, and the plan must grant, an exclusion from the coverage requirement if the coverage requirement conflicts with the religious organization's bona fide religious beliefs and practices.  If such employer obtains an exclusion, it must provide its employees reasonable and timely notice of the exclusion.

(2) An exclusion under this subsection does not authorize the exclusion of coverage for services related to the termination of pregnancy that are necessary to preserve the life or health of a covered individual.