Medicare Advantage Plans in Delaware 2020

Medicare Advantage Plans in Delaware 2020

If you are a senior citizen residing in Delaware, the Medicare Advantage plans can be quite helpful. They cover the expenses of medical bills that are not covered by Original Medicare. In case, you have not purchased, enroll for the advantage plans.

About one-third of Delaware Medicare beneficiaries selects Medicare Advantage Plans in Delaware.  By combining Medicare Original and Advantage Plans, you can enjoy flexibility and affordability. Click here to learn more about the usage of Medicare Advantage plans in Delaware and decide whether they suit your needs.

Enrollment Statistics for Medigap policy

Overview of Medicare enrollment figures in Delaware:

  • There are 170,000 Delaware Medicare beneficiaries
  • Delaware Medigap plan enrollment has 55,000 recipients
  • Plan F is the most popular policy


Most populated Delaware counties:

  • New Castle
  • Sussex
  • Kent


Calculating premium rates of Medigap plans in Delaware

The three methods used by the insurance companies include:

  1. Issue Age

Premiums will also be calculated based on the age at the time of initial purchase of the plan.

  1. Attained Age

Premiums will be calculated based on current age, and it will increase as you age.

  1. Community Rated

Premiums will be based on an average amount for a given locality regardless of your age.


Premiums based on Attained age is the most common pricing system in Delaware and is used by 75% of Medicare Advantages.

What Are the Available Medicare Advantage Plans in Delaware?

The popular standardized Medigap plans include:

  • Plan F

Most expensive and yet the most beneficial plan.

  • Plan N

Lower rates, but expensive  in the form of deductibles and restrictions.

  • Plan G

Similar to Plan F with lower premiums, but this plan won’t pay for Medicare Part B Deductible.

Covering drug Prescription under the Medigap plans in Delaware

The Medigap policy doesn’t cover the drug prescriptions. You need to enroll in Part D for assistance related to medicinal costs and avoid possible penalties later. Hence, it is advisable to compare available Medicare drug plans before the Initial Enrollment period.

When to Enroll in Medicare Advantage Plans in Delaware?

Enrollment in Medicare Part A and Part B enables you to enroll for Medicare Advantage plans anytime. Medigap Open Enrollment Period allows you to apply for first enrollment after turning 65, and six months afterward, without answering any medical questions. In case of lost coverage, you might also qualify for a Special Enrollment Period without submission of health underwriting.

Medicare Part A and Part B enrolled below 65 beneficiaries with a disability might be able to purchase Medigap plans from some insurers. However, rates are a bit higher than people over 65 with Medicare Open Enrollment. When they do turn 65, they can avail the Medicare Advantage plans, as mentioned above.

Using the Medigap policy in other states

You can avail Original Medicare benefits almost everywhere in the country. Some Medicare Advantage plans allow for payment of 80 percent of emergency medical care outside of country too. Delaware Medigap plan can also be used to control deductibles, coinsurance, and co-payments that Part A and B have across the country.

As Medicare Advantage plans are not dependent on network providers, you can enjoy the benefits while travelling. Apart from that, you can retain the same coverage, offered by most insurance companies, while moving away from home. In case of relocation to another state, you need to notify the insurance company so that the premium rates can be calculated accordingly. You can also qualify for the Special Enrollment Period and compare the different options that are available in the new state.