Delaware Urges Insurers to Replace Lost Medications

State regulators ask insurers and pharmacy benefit managers to speed replacement prescriptions after a school fire destroyed student medications.

Updated on Nov. 3, 2026 in Insurance

Bold flat-color editorial illustration of a plain low government building beneath a single flag, in navy and cream with a muted red accent. — Delaware Insurance Commissioner Trinidad Navarro asked insurers and pharmacy benefit managers to expedite replacement medications after a Milford school fire destroyed students' prescriptions. AI Illustration. Upload story photo >

Delaware Insurance Commissioner Trinidad Navarro issued a bulletin last week asking health insurers and Pharmacy Benefit Managers to help families replace medications. The request followed a fire at Lulu Ross Elementary School in Milford that destroyed medications kept on-site for students.

Why it matters

The bulletin seeks industry cooperation so families face fewer obstacles obtaining replacement medications after the loss. It reflects how insurance processes can affect access to medicine during an emergency affecting a school community.

The bulletin was issued last week by Delaware's Department of Insurance, following notification from state education and health officials. It asks insurers to expedite claims, allow early refills, and waive or accelerate prior authorization and quantity limits when appropriate.

The players

Trinidad Navarro

Trinidad Navarro is the Delaware Insurance Commissioner, who oversees the state's insurance industry and issued the bulletin to insurers and Pharmacy Benefit Managers.

Delaware Department of Insurance

The Delaware Department of Insurance regulates insurance carriers operating in Delaware and issued the bulletin asking them to help families replace medications.

The details

The Insurance Commissioner's bulletin communicates processing instructions to pharmacies, help desks, and customer service representatives. It asks insurers to use exception processes to quickly resolve replacement medication issues and avoid unnecessary documentation requirements.

Last week: Insurance Commissioner Trinidad Navarro issued the medication replacement bulletin.

Market Dynamics

The bulletin uses the Delaware Department of Insurance's regulatory channel to request voluntary action from health insurers and Pharmacy Benefit Managers in response to a localized emergency. It shows how state regulators can work through industry bulletins to address disruptions in prescription access.

Families whose children relied on medications stored at the school may be able to request expedited refills or replacement prescriptions through their health insurer or pharmacy benefit manager. The bulletin asks insurers to waive or accelerate prior authorization and quantity limits where appropriate.

The takeaway

Families affected by lost prescriptions can contact their insurer or pharmacy benefit manager to ask about expedited replacement, early refills, or waived prior authorization. Keeping a record of medication names and doses can speed up that process.