Top Medicare Advantage Plans in Delaware for 2024
Find Plans in your area with your ZIP Code
2024 Medicare Advantage Open Enrollment Begins October 15
Be the first to know about the best new plans in Delaware for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.
Delaware's Finest Medicare Advantage Plans: How to Find Yours
If you live in Delaware and you're thinking about enrolling in a 2024 Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Delaware, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.
Table of Contents
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Comparing the Leading Medicare Advantage Plans in Delaware
Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Delaware based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
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
We recommend evaluating the health plans from these Delaware health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Delaware. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Delaware's Providers
Delaware's Medicare Advantage plans are offered by 6 plan providers, including:
- Aetna Medicare
- Cigna
- Highmark
- Humana
- Lasso Healthcare
- UnitedHealthcare
Top Ranked Plans in Delaware
Here's a list of the best Medicare Advantage plans available in Delaware, according to the Centers for Medicare & Medicaid Services:
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 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Delaware County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Delaware by County
Choose your Delaware County below to see the best (and the worst) plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
Navigating Your Options: How to Select the Best Medicare Advantage Plan in Delaware
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.
1. Evaluate How You Plan to Use Your Benefits
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, 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 deductibles, so weigh your risk carefully.
2. Review Your Drug Costs
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Delaware Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Think About Your Preferred Healthcare Providers
Most Medicare Advantage plans available in Delaware use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!
Find Plans in your area with your ZIP Code
Next Steps
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the disadvantages 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 do Medicare Advantage plans cost in Delaware?
The average cost of a Medicare Advantage plan in Delaware is $13.07. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What are Medicare Advantage plans required to cover?
All Medicare Advantage plans offered in Delaware must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
For Researchers
Next State of Best Medicare Advantage Plans:
Previous State of Best Medicare Advantage Plans: