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Medicare Supplement Plans in Delaware

Summary: Medicare Supplement plans in Delaware help you cover costs leftover by Original Medicare. Different carriers have different premiums, even though benefits for each lettered Medigap plan in Delaware are the same. Comparing coverage can help you find what’s right for you. Estimated Read Time: 13 mins

Table of Contents:

  1. Best Medicare Supplement Plans in Delaware
  2. Who is Eligible for Medicare Supplement Plans in Delaware?
  3. How Much Do Medicare Supplement Plans in Delaware Cost?
  4. Carriers Offering Medigap Plans in Delaware
  5. Medigap Plans in Delaware for Those on Disability Under 65
  6. Medigap Rating Methods in Delaware
  7. Medicare Supplement Guaranteed Issue Protections in Delaware
  8. When to Enroll in Medicare Supplement Plans in Delaware
  9. Medicare Excess Charges in Delaware
  10. Additional Medicare Coverage Options in Delaware
  11. How to Sign Up for Medicare Supplement Plans in Delaware

Medicare Supplement plans in Delaware protect you from unexpected medical costs after Original Medicare pays its portion. Although the government standardizes Medicare Supplement plans (Medigap), each plan varies in coverage and price.

In most cases, the more benefits a policy provides, the higher the premium.

Delaware has ten lettered standardized Medicare Supplement plans and two high deductible plan options, each offering varying benefits. However, standardization allows each lettered plan to offer the same coverage regardless of carrier.

But the carrier you enroll with, among other factors, will determine how much you pay for your premiums. Therefore, it’s essential to understand your coverage needs, the carriers available in your area, and all your available options. Below, we explain your options so you can decide which Medigap plans in Delaware are right for you.

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Best Medicare Supplement Plans in Delaware

Upon aging into Medicare, many beneficiaries are surprised to learn that their coverage through the government alone is not comprehensive. Original Medicare, comprised of Medicare Part A hospital insurance and Medicare Part B medical insurance, involves out-of-pocket costs, such as deductibles and coinsurances. But many look for the best Medicare Supplement plans in Delaware to help supplement these costs.

While Medicare Supplement plans in Delaware are a popular option to help cover the costs, finding the “best” plan will mean different things for different people. There isn’t a singular “best” coverage option for anyone because everyone has healthcare needs, personal factors, and budgets to consider. Delaware Medicare Supplement plans help safeguard your money from excessive medical claims. Although everyone has their own needs, patterns still emerge. The First State offers many different options, but three Medicare Supplement plans in Delaware continue to be the most popular:

  • Medicare Supplement Plan F
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

These three Medigap plans in Delaware continue to be popular among beneficiaries due to their benefits in relation to cost. Below, we’re breaking down each of the three most popular plans you’ll find in Delaware.

Medicare Supplement Plan F in Delaware

The most comprehensive form of benefits is Medicare Supplement Plan F in Delaware. But because Medigap Plan F in Delaware offers the most benefits, it has the highest cost. Here’s what your benefits will cover:

  • Coinsurances and copayments when using Original Medicare benefits.
  • Original Medicare deductibles.
  • Medicare Part B excess charges are rare but covered.
  • Skilled nursing facility expenses.
  • Foreign travel emergency expenses (lifetime limits exist)

While Medicare Supplement Plan F in Delaware offers more benefits than any other option, it’s not available to everyone. To enroll in the benefits, you’ll need to have become eligible for Medicare coverage before January 1, 2020, to receive benefits from Medicare Supplement Plan F in Delaware.

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Medicare Supplement Plan G in Delaware

If you are looking for a policy with great benefits and a mid-range price point, Medicare Supplement Plan G in Delaware may be the right option for you. Because of the eligibility restrictions that now apply to Medicare Supplement Plan F in Delaware, Plan G continues to grow in popularity. Overall, this is the second most comprehensive Delaware Medicare Supplement plan available. With Medicare Supplement Plan G in Delaware, you’ll receive similar benefits as Plan F. The only difference is that you will be responsible for your Medicare Part B deductible.

Medicare Supplement Plan N in Delaware

Medicare Supplement Plan N in Delaware may offer fewer benefits than the other most popular options, but it also has the lowest monthly premium of the three plans. This can be an excellent option for those looking to cover healthcare expenses but keep monthly premiums low.

Medigap Plan N in Delaware will provide quality coverage, but you’re responsible for covering your Medicare Part B deductible. Additionally, you’ll need to pay $20 copayments when visiting a doctor or specialist, and there are $50 copayments at the Emergency Room required if you aren’t admitted into the hospital. Otherwise, the copayment is waived.

Finally, you’re also responsible for Medicare Part B excess charges if you come across them. Although uncommon, excess charges are allowed in Delaware and may come up if your doctor doesn’t accept Medicare assignment. Speaking with your healthcare provider can help you better understand which coverage is right for you.

Who is Eligible for Medicare Supplement Plans in Delaware?

You are eligible for Medicare Supplement plans in Delaware when you qualify for Original Medicare benefits. For most, it occurs after turning 65, so long as they are a U.S. citizen or a legal resident of five years or more.

For some, eligibility can come sooner. Expressly, those under the age of 65 can qualify for Original Medicare under one of the following circumstances:

  • If you’re disabled and have received at least two years of Social Security Disability Income (SSDI).
  • If you are diagnosed with amyotrophic lateral sclerosis (ALS), you can also qualify for Original Medicare upon your diagnosis.
  • If you have end-stage renal disease (ESRD), you can receive Medicare benefits after four months of dialysis.

Medicare Supplement plans in Delaware provide benefits that pay after Medicare Parts A and B have covered their portion of your healthcare costs. Therefore, you can’t enroll in the supplemental coverage unless you first enroll in Original Medicare benefits.

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How Much Do Medicare Supplement Plans in Delaware Cost?

The cost of Medigap plans in Delaware will vary depending on a number of factors. This includes the carrier you enroll with, your gender, age, location, the amount of coverage you need, tobacco usage, and more.

To gain a better understanding of what you can expect to pay for a Medicare Supplement in Delaware, we’ve collected averages using the Medicare.gov tool. For reference, we looked at 65-year-old and 75-year-old males and females that don’t smoke. All of our samples calculated averages from the same ZIP Code of the Diamond State.

Female, No Tobacco, Delaware ZIP Code 19720
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $146-$400* $173-$476*
Medicare Supplement Plan G $125-$385 $148-$385
Medicare Supplement Plan N $92-$319 $112-$319
Male, No Tobacco, Delaware ZIP Code 19720
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $167-$451* $196-$532*
Medicare Supplement Plan G $135-$434 $167-$434
Medicare Supplement Plan N $105-$360 $126-$360

*If on Medicare before 1/1/2020

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Carriers Offering Medigap Plans in Delaware

When you enroll in Medigap plans in Delaware, you may be wondering how to choose the right carrier. Since all Medigap plans in Delaware of the same letter provide the same benefits, it is important to enroll through a carrier that has low monthly premiums and will protect you in all situations.

It’s easy to remember to look at who offers coverage for the lowest premium, but there are more factors you’ll want to consider.

Financial strength is important because you’ll want to be sure your carrier can hold up its fiscal responsibilities to cover your healthcare. Independent agencies such as A.M. Best and S&P help consumers gain insight.

You’ll also want to understand how each carrier handles customer service. The Better Business Bureau (BBB) is an excellent resource that can help you determine such metrics.

There are several carriers offering Medicare Supplement plans in Delaware. Below are just some of the more prominent examples

Compare Delaware Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
Blue Cross & Blue Shield of Delaware F A+ (Superior) A+
Cigna N/A A- A (Excellent)
Mutual of Omaha A+ A+ A+ (Superior)
Manhattan Life A+ A B++
United American A+ AA- (Very Strong) A (Excellent)

Medigap Plans in Delaware for Those on Disability Under 65

Medicare Supplement insurance companies are only required to provide Medigap plans to those under 65 in areas where state law is in place requiring coverage for those on Medicare disability. Delaware is one of many states with protections in place to provide Medicare Supplement coverage for those under 65.

Thus, if you wish to enroll in a Medicare Supplement plan under age 65 in Delaware, you will be provided at least one plan option from each carrier in your state. However, it is essential to keep in mind that you may be subject to higher Medicare Supplement premiums than those over 65.

You can enroll in Medicare Advantage if you’re disabled, and you’ll receive another Medigap Open Enrollment Period when you turn 65 years of age. This will allow you to enroll in supplemental coverage when you age into the program while receiving healthcare benefits at often a much more affordable rate in the meantime.

It’s also worth keeping in mind that the Medicare Supplement plans in Delaware offered to disabled persons are also often limited in coverage. While carriers must offer at least one plan, it’s worth noting the only Medigap plan in Delaware companies are required to offer is Plan A. This coverage offers a minimal amount of coverage compared to other lettered plans.

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Medigap Rating Methods in Delaware

Carriers use Medigap rating methods to calculate the premiums of your plan. There are three different types of Medicare Supplement rating methods available, and this is one of the reasons you’ll find each carrier has different rates even for the same lettered plan. Here’s how each method affects your healthcare premiums:

  • Issue age rating methods will base the price you pay on the age you are at the time you buy your policy. The younger you are, the less you’ll pay, and this is one of the reasons it’s important to enroll as early as possible.
  • Attained age rating methods look at the age you are when you enroll in coverage. As you get older, you’re going to pay higher premiums.
  • Community-rated plans charge everyone enrolled the same premium that signs up. Age is not a factor when calculating your premium.

Medicare Supplement Guaranteed Issue Protections in Delaware

When you purchase Medicare Supplement plans in Delaware outside of your Medigap Open Enrollment Period, you can be subjected to medical underwriting questions. But there are certain qualifying life events in which you can enroll in Delaware Medicare Supplement plans without the risk of being denied.

These qualifying events often involve a beneficiary losing coverage. Known as your guaranteed issue protections or guaranteed issue rights, these ensure that you can purchase a Medigap plan in Delaware if you were to endure any of the following:

  • If you’re in a Medicare Advantage plan but it’s no longer providing coverage where you live, or you have moved outside of its service area.
  • You were enrolled with healthcare from your employer, but that coverage is now terminated.
  • If you move outside of the service area.
  • You can leave your Medicare Advantage plan within the first year if you enrolled when you first became eligible at 65.
  • You can also return to a Medicare Supplement plan in Delaware if you switch to a Medicare Advantage plan for the first time and decide to leave within a year of enrollment.
  • In the event you are misled, act in a way that is illegal, or your Medicare Supplement carrier doesn’t hold up their end of the deal.If you lose coverage due to your Medigap carrier going bankrupt or for another reason, that is not your fault.

If any of the scenarios above apply, you can enroll in Delaware Medicare Supplement Plans A, B, C*, D*, F*, G*, K, or L if you apply for coverage within 63 days of losing your policy. You’ll need to inquire about written proof of coverage to present to your new carrier as proof of continuous insurance. All carriers are required to provide this information to you.

Furthermore, guaranteed issue rights for Delaware Medicare Supplement Plans C and F only apply to those eligible for Medicare before January 1, 2020. If you were eligible for Medicare benefits on or after this date, your guaranteed issue protections apply to Delaware Medicare Supplement Plans D and G.

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When to Enroll in Medicare Supplement Plans in Delaware

Enrolling in Delaware Medicare Supplement plans as soon as you are eligible is the best course of action. This is for many reasons, including:

  • You’ll receive healthcare coverage sooner.
  • Rather than dealing with medical underwriting that may cause you to be denied coverage or pay higher premiums, you can enroll at the lowest possible cost.

Remember, depending on which Medicare Supplement rating method is used when you enroll will affect your premiums noticeably. To be sure you not only enroll for the lowest price possible but aren’t denied coverage altogether, you’ll want to enroll when you are first eligible.

For most, this means turning 65 years old and receiving Original Medicare benefits, but for disabled persons, a Medigap plan in Delaware may be appropriate earlier on. Working with a licensed agent can help you learn more about your options.

Medicare Excess Charges in Delaware

Medicare Part B excess charges are a rare fee that physicians can charge in certain states if they do not accept Medicare Assignment. Medicare Assignment is the pre-determined cost set aside by Medicare that states how much they are willing to pay for specific tests and procedures.

Delaware is one of many states throughout the U.S. that allows its physicians who accept Medicare to charge these costs if they do not accept Medicare Assignment. Thus, you may be required to cover a 15% additional fee on top of the Medicare-approved amount for a service.

If you enroll in Medigap Plan F or Plan G, you will never be responsible for excess charges. Your Medigap plan covers these costs. However, if you enroll in Medicare Supplement Plan N, you must speak with your doctor before receiving care to avoid these unexpected costs.

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Additional Medicare Coverage Options in Delaware

In addition to Medicare Supplement plans in Delaware, beneficiaries have many other choices to help cover their healthcare costs. These include:

  • Medicare Advantage
  • Medicare Part D
  • Dental, vision, and hearing plans

Medicare Advantage plans are an excellent alternative to Original Medicare and Medigap plans in Delaware for those who would rather pay lower monthly premiums and are comfortable with higher out-of-pocket costs as they receive care. So, beneficiaries need to choose Medicare Advantage or Medigap, as they cannot have both simultaneously.

However, Medicare Advantage policies often have restrictive networks and require referrals to see specialists, while Medigap plans in Delaware do not. Additionally, you will still need to pay your Medicare Part B premium each month, even though your Medicare Advantage carrier covers your medical insurance.

Medicare Part D plans help cover prescription medications. This coverage is a must-have for Original Medicare beneficiaries with or without Medigap because neither includes this benefit. Thus, if you take prescribed drugs or would like to avoid the Medicare Part D penalty, enrolling as soon as you are eligible is crucial.

Additionally, these plans work great alongside Delaware Medicare Supplements. They give beneficiaries the most well-rounded coverage possible when combined with Original Medicare and Medigap.

It’s worth noting that the Delaware Prescription Assistance Program (DPAP) is also available for low-income beneficiaries. This can help you cover the cost of prescription drugs even if you have budgetary restrictions by providing a $3,000 benefit each year. However, you will still need to pay at least $5 or 25% of the cost for your copay.

DPAP participants must enroll in Medicare Part D to receive this benefit. Lastly, dental, vision, and hearing policies are available in Delaware to cover the biggest hole in Original Medicare coverage. Because Original Medicare does not cover these services – and neither does Medigap – policies covering dental, vision, and hearing benefits are essential to Medicare beneficiaries.

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How to Sign Up for Medicare Supplement Plans in Delaware

At MedicareFAQ, we make enrolling in Medigap plans in Delaware as simple as possible. Our licensed agents will take you from point A (overwhelming options) to point B (narrowing down the right coverage for you), missing no steps along the way.

We provide a free plan comparison to each of our clients, ensuring they choose the best possible option to fit their needs. To get started with an agent, call us at the number above. Or, fill out our online rate comparison form to discover the rates for Medicare Supplement plans in Delaware today!

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Supplements and Other Insurance, Medicare. Accessed April 2022.
    https://www.medicare.gov/supplements-other-insurance
  2. Delaware Medicare Supplement 2023, DMAB. Accessed July 2023.
    https://www.dhss.delaware.gov/dhss/dsaapd/files/The_Medicare_Supplement_Insurance_Shoppers_Guide_2023.pdf
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Medicare Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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