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Delaware Insurance Commissioner

The Delaware Insurance Commissioner regulates Delaware's insurance industry, tracks insurance companies' financial well-being, and investigates insurance fraud complaints. Delaware's insurance Commissioner is elected to a four-year term on presidential election years. The commissioner oversees the execution of the Delaware Department of Insurance mission to protect our citizens through the following means:Protect insurance consumersRegulate companies to ensure ability to pay claimsReview, approve, and/or disapprove rates submitted by insurance companiesProsecute insurance fraudLicense agents and brokersSave businesses money on premium costsAssist Medicare-eligible seniorsAdvocate for residents through arbitration and legislation

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  • Candidate picture

    Trinidad Navarro **
    (Dem)

  • Candidate picture

    Julia M Pillsbury D.O.
    (Rep)

Biographical Information

What motivated you to seek or continue in this office?

What are your qualifications for office, and what differentiates you from the other candidate(s)?

Please comment on one thing the Insurance Commissioner's office did especially well during the last four-year term, and one area that could be improved.

How has the office responded to the challenges of COVID-19 this year? Do you foresee any permanent operational changes based on learnings from the crisis?

If elected, what are your primary goals for the coming term?

Last edit date: published 8/3/2020
Phone: (302) 593-3345
Website or social media link: http://trinidad-navarro.com
Age 51
Education Associates Degree in Criminal Justice from the Delaware Technical Community College. Bachelors Degree in Criminal Justice from Wilmington University.
Work Experience Insurance agent New Castle County Police Officer New Castle County Sheriff Insurance Commissioner
Community Involvement Board member for the Police Athletic League Former Trustee of the Colonial Educational Foundation Former board member for the Canal Little League Former Board member for the New Castle County Community Partnership Minister of hospitality at the St. Margaret of Scotland Catholic Church Little League baseball and softball coach
Ballotpedia Page (external resource) http://ballotpedia.org/Trinidad_Navarro
I am running for reelection because I believe I am the person who can best protect, educate, and advocate for consumers, and I have successfully done so as Insurance Commissioner. I have a track record of effectively serving residents of our state, creating cost savings, increasing insurance access, and holding insurance companies accountable. I believe that I can continue to deliver excellent service to our residents, seniors, home owners, drivers, business owners, health care providers, and insurance companies. I will focus on addressing new trends in the international and local insurance market, including those associated with rising health care costs, underwriting, solvency, and the emergence of big data. With the current and future health and economic impacts of the Coronavirus impacting residents, business owners, health care providers and facilities, and insurance companies, steady and strong leadership is needed during this unprecedented time.
I have devoted my career to serving our community in Delaware, and standing up for residents when they need help the most. As Commissioner, I have prioritized assisting consumers, helping with thousands of insurance issues and recovering or saving millions of dollars for individuals and businesses. Throughout my first term, we worked to lower insurance rates in several lines, fought discriminatory pricing practices, passed more than a dozen consumer-friendly bills with the legislature and codified the protections of the Affordable Care Act, ensured consumer data security, provided arbitration services so residents get the insurance settlements they deserve, reduced fraud, supported mental health and addiction parity, and so much more. I have the experience needed to continue this consumer-friendly progress.
We have done an excellent job saving our state and its residents money. During the last four years, our office decreased insurance costs for Delaware residents and business owners. We lowered the ACA rates an average of 19% last year, and have dropped worker’s compensation premiums time and time again. By ending discriminatory practices in premium pricing, and forcing companies to respond to COVID-related driving reductions, we are saving auto insurance customers money. I oversee programs that help seniors save on Medicare, and our team is leading the creation of the cost-saving Office of Value Based Health Care Delivery. We have returned millions of dollars to residents with our Life Insurance Policy Locator and through significant contributions to the General Fund. While my work on cost-savings won’t end in my next term, emerging technology and data usage in the insurance industry presents a challenge that changes daily, and this will be part of our work in the coming years.
Our office acted rapidly in response to COVID-19, working to ensure that testing was covered by insurance and easy to access, creating affordable access to telemedicine for both users and health care providers, and helping those facing economic distress maintain their insurance policies even if they can not pay a bill. With more residents working from home, we successfully pushed auto insurers to provide premium paybacks, rebates, and discounts to policyholders. We responded to the increase in overdose deaths with Narcan giveaway and training on life-saving techniques in an area that had become a hotspot of opioid deaths. I believe that telemedicine’s expansion is a permanent change, and it is extremely beneficial to so many people with limited in-person access, like those without local providers, those with limited access to transportation or childcare, people who can’t take off of work to go to a facility, individuals with disabilities and many others.
I have one priority for my next term, the same one I have held throughout my career - our state’s residents. We complete more than 4,000 consumer inquiries a year, and have around 5,000 one-on-one Medicare counseling sessions, but we can always find new ways to engage the public and increase awareness of our services. As Chair of the National Anti-Fraud Taskforce, I’ll continue to make sure no resident is taken advantage of by a scam, especially in light of increased efforts by scammers during COVID-19. I’ll continue to fight discriminatory practices, including inappropriate uses of big data. And, I’ll work to reduce premiums - again. The pandemic has made it clear that we need permanent, affordable telemedicine expansion, and I look forward to working on that legislation. Next term, we will also see the Office of Value-Based Healthcare Delivery come to fruition, which will help us to emphasize primary, preventative care, while making it more affordable for all.
Last edit date: published 10/1/2020
Phone: (302) 922-4294
Campaign email: info@drjuliapillsbury.com
Age 68
Education ASN, BSN - Gwynedd Mercy College 1972, 1974 Doctor of Osteopathic Medicine - The Philadelphia College of Osteopathic Medicine 1981 Pediatric Residency - Fitzsimons Army Medical Center 1981-1984
Work Experience I worked as an ER Nurse at the Medical Center of Philadelphia and then as an ER nursing instructor and later head nurse in Labor & Delivery at Episcopal Hospital in Philadelphia. I started medical school in 1977. I served as a Pediatrician at Eglin AFB where I was Chief of Adolescent Medicine and Whiteman AFB where I was Chief of Pediatrics. I worked locally upon separating in July 1988 in Missouri . I also worked at Dover AFB in 1989 and served as the first physician at Dover High School's School Based Health Center for several years. I then worked at Kent General Hospital as a NICU hospitalist until I prepared to start my private practice. I started The Center for Pediatric and Adolescent Medicine, PA in 1991 and provided care to infants, children, adolescents and college-aged individuals. I sold the practice in 2018 and I joined Kids & Teens Pediatrics where I continue to work.
Community Involvement I have taught Religious education/CCD classes for several years. I have volunteered for many programs through the DE Chapter of the American Academy of Pediatrics (AAP) and Bayhealth Medical Center. I serve as Chair of the DE Medicaid Medical Care Advisory Committee. I have also served on several other committees.
Additional Information I have served on the AAP's Committee on Coding & Reimbursement as well as the Committee on Coding & Nomenclature. I have also served on several American Medical Association Committees, including the Practice Expense Advisory Committee, The Relative Value Update Committee and the Current Procedural Terminology Editorial Committee (CPT Editorial Committee). These committees work with CMS to assist in developing the Medicare Fee Schedule.
Ballotpedia Page (external resource) http://ballotpedia.org/Julia_Pillsbury
I feel the Insurance Commissioner has an obligation to offer people in DE a choice in insurance companies. DE has only one health insurance plan. I feel this is unacceptable. People deserve choice. Under the law, Medicaid must offer patients a choice, why then should those insured through the Affordable Care Act not have a choice? I feel this needs to be corrected. I also feel that health insurance premiums are too high. I would like to find ways to reduce them.
I have owned a small business so I understand the insurance expenses involved. I have also offered health insurance to my employees. So, I feel I understand the issues facing the small business owners. My opponent has always been an employee. He has no experience in the insurance required of a small business owner. I have also served on many committees who have assisted CMS in establishing fee schedule allowables for health insurance.
It is my understanding that the current commissioner has worked deligently to address insurance fraud.

I feel he needs to increase choice of health insurance providers. All Medicaid patients have a choice. Those covered under the Affordable Care Act do not have a choice in Delaware.
It is my understanding that the office is not currently seeing anyone in face-to-face meetings. However, they are addressing consumer concerns via telephone. That service will likely continue although I feel some face -to-face opportunities should exist. I believe they can be done safely under the current guidelines.
I want to offer a more competitive insurance market place, in particular health insurance. I would evaluate all of the insurance requirements for small business owners to insure they are fair and reasonable. Furthermore, I would look into the policies established in Delaware regarding personal financial records in determining insurance rates.