Compare the Best Medigap Plans in Delaware for 2024

Delaware residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in Delaware. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.

This page highlights the top Delaware Medicare Supplement and insurance companies for 2024.

Top 3 Best Medigap Plans in Delaware for Comprehensive Coverage

For Medicare enrollees in Delaware, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.

Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in Delaware.

Medigap Plan F in Delaware

Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.

Required Benefits of Plan F in Delaware

Medigap Plan G in Delaware

For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.

Required Benefits of Plan G in Delaware

Medigap Plan N in Delaware

Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.

Required Benefits of Plan N in Delaware

Average Costs for Medigap Plans in Delaware

Plan costs in Delaware are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Delaware:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Factors That Impact Medigap Plan Costs in Delaware

The price of Medicare Supplements in Delaware can vary based on several important factors, including:

• Age: Premiums often rise as you age.
• Gender: Women may find that their premiums are slightly lower than men’s.
• Tobacco Use: Using tobacco typically leads to higher premiums.
• Location: Your location in Delaware can impact your premium due to regional cost differences.

Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.

Compare All Medicare Supplement Plans in Delaware

If you want to see how all Medicare Supplement Insurance plans sold in Delaware stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Delaware and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Delaware

Enrolling in a Medigap plan in Delaware requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

Ready to sign up for Medicare Supplement coverage in Delaware? Here's how to do it:

1. Review Your Options: Compare the available Medigap plans in Delaware to find the right match for your healthcare needs and budget.
2. Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
4. Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.

For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.

FAQs about Medigap Plans in Delaware

How does Medigap differ from Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.

Can I change Medigap plans after enrolling?

Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.

Do Medigap plans cover prescriptions?

No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.

What costs can I expect with Medigap plans?

In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023