The Best Medicare Supplement (Medigap) Plans in Delaware
- Delaware Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Delaware, including what they might cover and when the best times are to enroll.
Delaware residents who are enrolled in Original Medicare can reduce their out-of-pocket costs with optional private insurance plans. Medicare Supplement Insurance, commonly called Medigap, covers some or all of certain Original Medicare (Medicare Part A and Part B) coinsurance and deductibles you owe when treated by a health care provider.
Roughly 39% of Delaware Medicare beneficiaries are enrolled in a Medicare Supplement plan.
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Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best Delaware Medicare Supplement Plans?
Delaware insurance companies sell 10 types of standardized Medigap plans. Each type has the same fixed benefits, regardless of the carrier. This simplifies your choices because the only differences between plans in the same category are the costs charged by insurers.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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Start by looking at the most basic coverage available. All Medigap plans (A-D, F, G and K-N) provide coverage of:
- Part A hospital costs and coinsurance
- Part B coinsurance
- Part A hospice care coinsurance
- First three pints of blood, if a hospital needs to buy it for you
If you only need these benefits, opt for Medigap Plan A. Otherwise, look at additional benefits offered by different plan categories, such as the Part A deductible, excess charges, out-of-country emergency care and skilled nursing facility coinsurance.
The Part B annual deductible for medical services and supplies is covered by Plans C and F, but these plans are only sold to Delaware residents eligible for Medicare prior to January 1, 2020. Legislation passed by Congress requires new beneficiaries to pay for the Part B deductible themselves.
Plans F and G offer the most extensive coverage, paying for all of the standardized Medigap benefits available. Plan G is designed for those who don't qualify for the Part B deductible through Plan F.
Plans F and G are also the only two Delaware Medigap plans with standard and high-deductible options. If you sign up for the high-deductible versions of Plans F or G, Medigap doesn't pay any of your costs until you reach the plan's calendar year deductible. However, because you're paying more up front, premiums for these plans tend to be lower than standard F and G plans.
Medigap Plan N also tends to have more affordable premiums because of cost-sharing. You may pay up to $20 for an appointment with your doctor and up to $50 for emergency room care if you don't need to be admitted to the hospital as an inpatient. Otherwise, Plan N covers 100% of most of your Part B coinsurance.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in a Delaware Medigap Plan?
Choosing the right Medigap plan in Delaware is only one step. You also need to watch the timing of your Medigap open enrollment period, which can save you money and maximize your coverage.
You're given a Medigap open enrollment period once you're 65 and signed up for Medicare Part B. During this time, carriers can't make decisions about your coverage based on your medical history. Insurance providers must sell you the Medigap plan of your choice, giving you the widest selection of plans and rates. This period only lasts six months, after which insurance companies can underwrite any Medigap policy you wish to buy.
It's important to check when your Medigap open enrollment period starts because it's only offered to you once. Otherwise, the only other times you're protected by similar guaranteed issue rights is when you've lost health coverage due to specific circumstances — for example, your employer plan is terminated, your existing Medigap provider goes bankrupt or you move out of your Medicare Advantage service area.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
