2025 Guide to Medicare Advantage Plans in Delaware
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Delaware's Top Medicare Advantage Plans: How to Find Yours
Are you considering enrolling in a Medicare Advantage plan in Delaware? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Delaware, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Locating the Best Medicare Advantage Plans in Delaware
The Centers for Medicare & Medicaid Service (CMS) rates and reviews 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 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Delaware come from:
MedicareWire recommends evaluating plans from these Delaware health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Delaware, Medicare Advantage plans 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. Compare coverage and costs carefully.
Complete List of Delaware's MA Plan Companies
Delaware's Medicare Advantage plans are offered by 6 plan providers, including:
- Aetna Medicare
- Cigna Healthcare
- Highmark Blue Cross Blue Shield
- Humana
- UnitedHealthcare®
- Wellcare
Delaware's Top-Rated Plans
Here are the top-ranked Medicare Advantage plans in Delaware, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Delaware
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
Whether or not you can join a plan from one of the top-rated providers depends on where you live. If your Delaware County has the plan you want, and you qualify, you can enroll. Medicare Advantage plans are regional. Generally speaking, larger urban areas have more plan options than rural areas.
Top-Rated Medicare Advantage Plans in Delaware by County
Choose your Delaware County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick 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. Examine Your Projected Utilization Needs
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. Examine Your Prescription Medication Expenses
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. Understand Your Additional Coverage Requirements
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.
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!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
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?
On average, the cost of a Medicare Advantage plan in Delaware is $nan (based on 2025 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What are Medicare Advantage plans required to cover?
Approved Medicare Advantage plans sold in Delaware must, at a minimum, cover everything that's in Original Medicare. But plans do not have to cover healthcare services at the same cost as Original Medicare. For example, Medicare Part A covers about 80% of hospital stays, skilled nursing care, home health care, and hospice care. Whereas Part B provides coverage for about 80% of outpatient services, including lab tests and doctor visits. Medicare Advantage plans set their own copays and deductibles, and often charge more than 20%. However, plans have an annual limit and 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, "An Overview of the Medicare Part D Prescription Drug Benefit", Last Accessed October 19, 2022
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
For details on how we research, analyze, and construct plan information for Delaware using CMS data, see our Medicare Plan Research Methodology.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.