Best Medicare Advantage Plans in Delaware for 2023
Find Plans in your area with your ZIP Code
If you are thinking about getting out of Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage. and into a Medicare Advantage plan available in Delaware, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan in 2023. Some join to get more benefits. Some join to save money. And some like a plan's providers.
If you’re looking for the best Medicare Advantage plan in your Delaware community, that suits your individual needs, MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. is here to assist. Using the overview of the Delaware market below, you will get a clear understanding of your top plan options, who the top-rated plan providers are, and how much you should expect to pay each month for a plan.
NOTE: Our analysis does not include Delaware's Medicare Advantage SNP Plans. We evaluate these plans separately. We also did not include plans without Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... benefits, employer plans, or Medicare-Medicaid Plans (MMPs).
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Who Has The Best Medicare Advantage Plans in Delaware?
The Centers for Medicare & MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. Service (CMS) rates Delaware's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
There are no 5-star plans in Delaware in 2023. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Delaware come from:
- Humana
- Aetna Medicare
MedicareWire recommends evaluating plans from these Delaware providers first. Why? Because more stars mean a better plan. For instance, members may get better care and customer service from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Delaware, Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans.
Complete List of Delaware's 2023 Medicare Advantage Plan Providers
Delaware's Medicare Advantage plans are offered by 6 plan providers, including:
- Aetna Medicare
- Cigna
- Highmark
- Humana
- Lasso Healthcare
- UnitedHealthcare
Delaware's Top-Rated Medicare Advantage Plans in 2023
According to the Centers for Medicare & Medicaid ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs., here are the top 2023 Medicare Advantage Plans available in Delaware:
Top Medicare Advantage Plans in Delaware
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Aetna Medicare | H3959-055 | Aetna Medicare Advantra Value (HMO-POS) | $0.00 | $6,700 | 4.5 |
| Humana | H6622-010 | Humana Gold Plus H6622-010 (HMO-POS) | $0.00 | $3,650 | 4.5 |
| Humana | H5216-029 | HumanaChoice H5216-029 (PPO) | $69.00 | $7,550 | 4.5 |
| Humana | H5216-308 | HumanaChoice H5216-308 (PPO) | $0.00 | $8,300 | 4.5 |
| Humana | H5216-312 | HumanaChoice H5216-312 (PPO) | $0.00 | $3,650 | 4.5 |
| UnitedHealthcare | H2228-093 | AARP Medicare Advantage Choice Plan 1 (PPO) | $0.00 | $5,900 | 4.0 |
| UnitedHealthcare | H2228-129 | AARP Medicare Advantage Choice Plan 2 (PPO) | $29.00 | $5,700 | 4.0 |
The top providers listed above do not tell the full story. That's because your Delaware County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best 2023 Medicare Advantage Plans by Delaware County
Choose your Delaware County below to see the best (and the worst) 2023 plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
How to Find the Best Medicare Advantage Plan Available in Delaware
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment PeriodThe Annual Enrollment Period is when Medicare beneficiaries can join, drop or change Medicare Advantage and Medicare Part D prescription drug plans. AEP begins on 15 October and ends on 7 December.. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Consider Your Expected Utilization
Do you believe that you will get the most out of your plan's benefits? If you do, evaluate plans with higher monthly premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. , low copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share., so weigh your risk carefully.
2. Evaluate Your Prescription Costs
For many people, prescriptions are what drive up their healthcare costs the most. And, because most Medicare Advantage plans include Part D benefits for your prescriptions, you need to make sure the plan you choose covers your medications at a price you can afford.
3. Understand Your Additional Coverage Needs
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Delaware shoppers, finding a plan that their doctor(s) accept is exhausting. We can help!
Should I Choose an HMO or PPO plan?
There are many plan options available when shopping for Medicare Advantage plans in Delaware, including HMO and PPO options. These are some of the differences you should consider before making a plan selection.
- With an HMO you may pay less out-of-pocket, but you will need to choose a primary physician to coordinate your care. Referrals for specialists are often required. Except in an emergency, you must remain within the provider network.
- With a PPO you are not required to get referrals for specialty care. You have the option to get health care outside of the plan's provider network. However, typically you will pay more and the out-of-pocket maximum for out-of-network care will be higher.
Need help choosing? Call 1-855-728-0510 (TTY 711) for plan assistance. There's no obligation.
Find Plans in your area with your ZIP Code
Frequently Asked Questions
Still have questions? These common questions and answers might help. Or, call 1-855-728-0510 (TTY 711) to speak with a licensed advisor.
What are the pros and cons of a Medicare Advantage plan?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
How much does Medicare Advantage cost in Delaware?
A Medicare Advantage plan in Delaware costs an average of $13.07. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments..
What are Medicare Advantage plans required to cover?
At a minimum, every Medicare Advantage plan sold in Delaware must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. covers 80% of hospital stays, skilled nursing, home health careHealth care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered..., and hospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Methodology and Sources
Our analysis of the top-rated Medicare Advantage plans in Delaware excludes employer group plans, Medicare-Medicaid Plans (MMPs), Medicare Savings Account Plans (MSAs), Special Needs Plans (SNPs), and plans that do not include Part D benefits.
CMS rates health plans in several categories, including delivery of health care, member experience and customer service. When comparing plan ratings, we use state-specific data, not CMS' nationwide figures.
Medicare Advantage plan data is sourced from CMS public use files (see: Citations & References). When needed, we combined affiliated companies to calculate insurer averages.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed October 15, 2022
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "Medicare Advantage in 2022: Enrollment Update and Key Trends", Last Accessed August 25, 2022
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 19, 2022
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 1, 2022
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
This Medicare Advantage state information page was last updated on .