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Medicare Supplement Plans in Delaware

Medicare Supplement plans in Delaware are designed to enhance Original Medicare benefits. The federal Medicare program requires beneficiaries to pay some out-of-pocket costs, including deductibles, coinsurance, and copayments. Medicare Supplement plans in Delaware cover some or all of those expenses, depending on the plan selected.

What Medicare Supplement plans are available in Delaware?

Take a moment to compare the benefits offered for the top five plan options in Delaware. Every beneficiary must decide between paying more out of pocket or paying a higher monthly premium.

1. Best full coverage: Medicare Plan F

  • Plan F covers Medicare Part A deductible and Medicare Part B deductible plus Part B coinsurance and excess charges.
  • The most comprehensive plan available, including foreign travel emergency care coverage.
  • Only available to Medicare beneficiaries with a Medicare Part B effective date prior to January 1, 2020.

2. Best comprehensive coverage: Medicare Plan G

  • Plan G has the same coverage as Medicare Plan F except the Part B deductible. Part A deductible is covered.
  • The most comprehensive plan available for beneficiaries with a Medicare start date on or after January 1, 2020.

3. Best value: Medicare Plan N

  • Plan N doesn’t cover Part B excess charges or deductible. Medicare Part A deductible is covered.
  • Requires copayments of up to $20 for doctor visits and up to $50 for emergency room visits.
  • Lower monthly premiums are balanced by greater out-of-pocket expenses.

4. Best deductible based: High-Deductible Plan F

  • Includes all benefits of Plan F after the annual deductible is met.
  • Significantly lower premiums with higher out-of-pocket requirements.
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

5. Best for lowest premiums: High-Deductible Plan G

  • Includes all benefits of Plan G after the annual deductible is met.
  • Significantly lower premiums with higher out-of-pocket requirements.
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

When Can I Apply for a Medicare Supplement Plan?

You can apply for a Medicare Supplement insurance plan in Delaware at any time. The most advantageous time is during your Medigap Open Enrollment Period, which lasts for six months starting the month you enroll in Medicare Part B and are at least 65 years old.

Your social security benefits include the following guaranteed issue rights during that period:

  • Insurance companies are legally obligated to accept all beneficiaries during the enrollment period.
  • Eligibility and rates are the same for all Medicare beneficiaries without medical underwriting. A chronic health condition or pre-existing conditions cannot lead to higher rates.
  • Plans automatically renew each year as long as beneficiaries pay their premiums.

When you apply outside of your open enrollment period, you will undergo medical underwriting. The insurance company can deny coverage or increase rates based on your medical history. Some beneficiaries qualify for a special enrollment period that does include the same guaranteed issue rights.

How Much Do Medigap Plans Cost in Delaware?

Premiums for a Medigap plan in Delaware will vary between plan options and zip code. The following chart shows the cost of the most popular plans as of 2022 for a female nonsmoker living in zip code 19706 at the age of 65. Keep in mind that you will also need to pay for a Part D prescription drug plan.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$122.13 - $198.48
Plan N$91.88 - $133.52

What Companies Sell Medicare Supplement Plans in Delaware?

When selecting a Medigap insurer, look for a Medicare insurance company in excellent financial standing and well known for offering competitive pricing and great customer service. There are many private health insurance companies authorized to sell Medigap insurance, but we recommend the following companies for their excellent to superior ratings and reliability.

  • Aetna
  • Cigna
  • Mutual of Omaha

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Delaware Medicare Resources

Delaware Enrollment Statistics

Most people who are enrolled in Medicare Part A and B find these facts about Medicare and Medigap plans in Delaware useful:

  • Almost 170,000 Delaware Medicare beneficiaries were enrolled in Medicare Part A and Part B, also called Original Medicare insurance.
  • Just about 55,000 had bought Medicare Supplement plans in Delaware.
  • Almost 30,000 Delaware residents choose Plan F for their Medigap Plan.
  • The biggest Delaware counties by population include New Castle, Sussex, and Kent.

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