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Guide to Delaware Medicare Advantage Plans and Other Coverage Options

There are roughly 200,000 Medicare beneficiaries in Delaware. It may be one of the smaller US states, but there are still plenty of plans available to accommodate your needs. Medicare Plan Finder is your best source for understanding Delaware Medicare Advantage plans and other coverage options like Medicare Supplements and Part D plans.

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What Does Delaware Medicare Coverage Include?

Your Medicare journey starts with Original Medicare (Part A and Part B). Original Medicare is regulated by the federal government. This means that coverage is the same regardless of which state you live in. Part A includes coverage for things like hospital stays, nursing homes, hospice care, and home health services. Part B includes coverage for ambulance travel, medical equipment, mental health, partial hospitalization, lab tests, and x-rays.

Once you enroll in Medicare, you can start to explore other plan options like Medicare Advantage, Medicare Supplements, and Part D plans.

Types of Medicare Plans in Delaware

Once you enroll in Part A and B, you can enroll in a Medicare Advantage, Medicare Supplement, or Part D plan. Each option provides different benefits or coverage at a different price point. It’s crucial you enroll in some type of prescription drug coverage to avoid a late-enrollment penalty down the road. You can enroll in a Medicare Advantage plan with prescription coverage, a stand-alone Part D plan, or a Medicare Supplement plan that offers prescription coverage (but those are rare). You cannot be enrolled in a Medicare Advantage and Medicare Supplement plan at the same time, so you’ll have to choose.

Delaware Medicare Supplement Plans

Delaware Medicare Supplements (Medigap plans) are organized by letter (A, B, C, D, F, G, K, L, M, N), and each plan varies in terms of coverage and price. Medigap plans offer financial benefits like help paying your coinsurance, copayments, and deductibles. You cannot be enrolled in Medicare Advantage and Medicare Supplements at the same time. Medicare Supplements are generally the same regardless of which carrier you enroll in, but pricing will vary based on carrier, zip code, age, gender, and tobacco use. Even though plans are generally the same, you can easily overpay if you don't do your research. Our agents at Medicare Plan Finder can show you all of the plans in your area and help you enroll at the price you need. To schedule an appointment, click here or call us at 833-438-3676.

Best Medicare Supplement Plans in Delaware

The top carriers for Medicare Supplements in 2019 include:

  • AARP
  • Aetna
  • Blue Cross Blue Shield
  • Cigna
  • Conseco
  • Gerber
  • Mutual of Omaha
  • Liberty National
  • Oxford
  • Physicians Mutual
  • State Farm
  • TransAmerica
Medicare Supplements | Medicare Plan Finder

Delaware Medicare Advantage Plans

Medicare Advantage plans must cover, at a minimum, the same benefits as Original Medicare. However, most plans include additional health benefits that Original Medicare does not. These benefits can include vision, dental, hearing, over-the-counter drugs, non-emergency transportation, and group fitness classes like SilverSneakers. MA plans are offered through private insurance companies, and the pricing will vary based on provider, location, and benefits. As always, our licensed agents can help you enroll in a plan that is in your area and fits your needs and budget. Click here or give us a call at 833-438-3676.

Medicare Advantage | Medicare Plan Finder

Medicare Costs in Delaware

The cost of Original Medicare is the same in each state. You will not have to pay a premium for Part A if you were employed and paid Medicare taxes for at least 39 quarters. If you only paid Medicare taxes for 30-39 quarters, you’ll pay $240/month in 2019. If you did not pay Medicare taxes for at least 30 quarters, you’ll pay $437/month in 2019.

Most beneficiaries will pay $135.50/month in 2019 for the Part B premium, but this can change based on your income. Pricing for Medicare Advantage, Medicare Supplements, and Part D  plans will vary based on carrier, locations, and benefits since they are sold through private insurance companies.

Medicare Eligibility in Delaware

Medicare was designed for older adults over the age of 65. However, if you are under 65, there are other ways to become eligible. If you have been diagnosed with ESRD (end-stage renal disease) or ALS (Lou Gehrig’s Disease), you may qualify for Medicare regardless of your age. Plus, once you have received Social Security Disability Income (SSDI) for 24 months, you’ll be automatically enrolled in Medicare on your 25th month of receiving benefits. If you have a question regarding your eligibility, click here or give us a call at 833-438-3676.

Have Questions? Ask a Benefits Advisor in Your Area

Can I Have Medicare and Medicaid in Delaware?

Medicare and Medicaid are often confused because they both provide health coverage for specific groups of people. However, Medicare is intended for older adults over the age of 65 and people with certain disabilities whereas Medicaid is intended for low-income individuals and families regardless of age.

It is possible to be eligible for both programs. In fact, there are more than nine million people enrolled in Medicare and Medicaid. If you qualify for both programs you will likely be eligible for a Dual Special Needs Plan (DSNP). DSNPs are great because they provide extra benefits at lower costs. They also provide enrollees with a Special Enrollment Period (SEP). Most beneficiaries can only change their plan once a year during the Annual Enrollment Period, but SEPs allow you to get the coverage you need when you need it, no matter the time of year! When you become eligible for Medicaid, you can join, switch, or drop your current Medicare Advantage or Part D plan at any time.

Other perks of qualifying for a DSNP include potential eligibility in programs like Medicare's prescription drug program, Extra Help, or other Medicare Savings Programs. If you qualify for Extra Help, you won't pay more than $3.40 for generic drugs and $8.50 for brand-name drugs. This can help you save an average of $4,000 a year! On the other hand, Medicare Savings Programs help cover other Medicare-related costs like Part A and B premiums, deductibles, copayments, and coinsurance. Our agents can help you apply for any savings programs you may be eligible for. Click here or call us at 833-438-3676.

Senior Resources in Delaware

The Delaware Agency on Aging provides several programs throughout the state that provide services to seniors, caregivers, and disabled individuals. These programs include:

Caregiver Support: There are several caregiver support programs throughout the state that help provide general information about how to take care of your loved one if they suffer from Alzheimer's or other diseases.

Legal Assistance: The legal assistance program provides seniors with access to lawyers and paralegals throughout Delaware. They can provide advice, negotiation, and representation.

Meal Programs: There are several meal programs throughout Delaware. These programs include group meals in senior centers, food benefits to be used at the grocery store, and meals delivered straight to your home.

Employment Program: Delaware’s employment program provides part-time opportunities for eligible seniors. This program also provides supportive services, training, and assistance in finding outside employment.

Transportation: Delaware’s transportation program ensures seniors can get where they need to be. This includes doctor appointments, pharmacies, and grocery stores.

How to Apply for Delaware Medicare

You can sign up for Original Medicare through Social Security. You can visit www.SocialSecurity.gov, call 1-800-772-1213 (TTY 1-800-325-0778) Monday through Friday 7 AM to 7 PM, or apply in person at your local Social Security office.

Once you are enrolled in Original Medicare, you can schedule an appointment with one of our agents and discuss the best plan for your specific needs and budget. They can help determine if a Medicare Advantage or Medicare Supplement plan is right for you. To start enrolling click here or give us a call at 833-438-3676.

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