by Russell Noga | Updated October 3rd, 2024
Medigap plans help you pay for the out-of-pocket healthcare expenses not covered by Original Medicare Parts A & B. If you have an extended stay in the hospital, you could end up paying $400 to $800 a day for your inpatient care.
Medigap policies cover these additional expenses, ensuring you get the care you need without having to dip into your retirement savings to pay for it.
Medigap plans come in ten variations, with Plans F, G, & N being the most popular options. Average rates for Medigap plans are based on individuals, providers looking at their health, smoking rate, gender, and other variables.
This article looks at the best Medicare supplement plans Delaware has to offer. We’ll examine the average pricing on the lowest premiums from the top-rated providers in the Diamond State.
Use Us to Find the Best Medicare Supplement Plans Delaware
Our team offers you a free consultation on Medigap policies. We’ll help you find the right plan to cover your healthcare needs.
Our fully licensed agents will get you a free quote on any Medigap policy, with the best rates in the state.
Call 1-888-891-0229 now, or leave your details on our contact form, and we’ll have an agent call you back. If you already know the Medigap plan 2025 you want, use the automated quoting tool to get a price on your monthly premiums.
The Best Healthcare Insurers for Medicare Supplement Plans Delaware
You can buy a Medigap policy from any of the following private healthcare insurers in Delaware.
Prices range between providers, and our research shows the following companies are the best choices for your Medigap plan.
- Aetna
- Liberty Bankers
- AFSLIC
- Cigna
- Bankers Fidelity
- Colonial Penn
- elipsLife
- Globe Life
Humana gives you the lowest premiums for Plan G, and Aetna has the best deal on Plans F & G.
- Best Plan G – Humana
- Best Plan F – Aetna
- Best Plan N – Aetna
The Best Provider for Medicare Supplement Plan G Delaware – Humana
30 insurers offer Plan G in Delaware, with the market average rate being $145.10 per month.
You’ll get the best deal on premiums with Humana at $105.10 monthly, and the most expensive option is from State Farm, averaging $158.10 monthly.
Here are the average rates from the top insurers in the state for Plan G, based on a 65-year-old female nonsmoker.
- Humana: $105
- Aetna: $106
- Highmark: $128
- UnitedHealthcare: $138
- State Farm: $158
What Does Plan G Cover?
If you’re newly eligible for Medicare, Plan G offers you the best coverage and benefits for your out-of-pocket expenses associated with Parts A & B.
The only thing not covered is the Part B deductible of $226 in 2023.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
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The Best Provider for Medicare Supplement Plan F Delaware – Aetna
29 insurers offer Plan F in Delaware. The average monthly premium across all providers is $196.
Aetna has the most affordable policy at an average rate of $170.70 per month.
UnitedHealthcare is the most expensive insurer, with average monthly rates of $302. So, you can save $131.30 by going with Aetna over UHC for your policy.
Here are the average rates from the best insurers in the state, based on a 65-year-old nonsmoking female.
- Aetna: $171
- State Farm: $258
- UnitedHealthcare: $302
What Does Plan F Cover?
Plan F is the most popular Medigap policy due to its fully-comprehensive coverage of all out-of-pocket expenses associated with Medicare Parts A & B. You even get coverage for the Part B deductible.
However, this plan is only available for seniors eligible for Medicare before January 1, 2020.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan N Delaware – Aetna
24 insurers offer Plan N in Delaware, with the average monthly premium across all providers being $146.40.
Aetna is the least expensive option at $104.12 per month, and Humana is the most costly provider with average rates of $130.30 per month.
Here are the average rates from the top insurers, based on a 65-year-old female nonsmoker.
- Aetna: $104
- Highmark: $109
- UnitedHealthcare: $114
- State Farm: $122
- Humana: $130
What Does Plan N Cover?
Plan N gives you the coverage you need in a medical emergency. You get lower monthly premiums than Plans F & G, but you’ll make copayments at the doctor’s office ($20) and the emergency room ($50, waived if admitted).
It’s a popular choice with healthy seniors that rarely see the doctor.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover you for Part B excess charges. You must pay the excess if your doctor charges more than Medicare-approved rates.
Plan N also doesn’t cover the Part B deductible.
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What Do Plans F, G, & N Not Cover?
Medigap plans don’t cover the cost of preventative treatments at the chiropractor, acupuncture therapist, or physio.
You don’t get coverage for long-term stays at unskilled nursing facilities or private-duty nursing. Medigap also doesn’t cover the cost of your medications.
Medigap plans don’t include coverage for hearing, dental, and vision services.
However, some providers offer discounted rates for these services with in-network providers. Or they’ll sell you a top-up policy covering these expenses for an additional monthly fee.
What are the Best Alternate Medicare Supplement Plans Delaware?
There are less-comprehensive Medigap plans available for seniors on a budget.
Our research shows UnitedHealthcare is the best insurer for a plan A, B, K, or L policy, Humana has the lowest rate on Plan C, and Highmark gives you the best premium on Plan D. (Average rates based on a 65-year-old nonsmoking woman).
- Plan A – UnitedHealthcare: $99.73
- Plan B – UnitedHealthcare: $136.48
- Plan C – Humana: $255.62
- Plan D – Highmark: $117.95
- Plan K – UnitedHealthcare: $58.40
- Plan L – UnitedHealthcare: $96.22
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Frequently Asked Questions
What are the best Medicare Supplement Plans available in Delaware for 2025?
The best Medicare Supplement Plans in Delaware for 2025 may vary based on individual needs and preferences. Some popular options include Plan F, Plan G, and Plan N.
How do I determine which Medicare Supplement Plan is best for me in Delaware?
To determine the best Medicare Supplement Plan for you in Delaware, consider factors such as your budget, healthcare needs, preferred doctors or hospitals, and coverage preferences. Comparing different plans and consulting with an insurance professional can help you make an informed decision.
What benefits do Medicare Supplement Plans in Delaware offer?
Medicare Supplement Plans in Delaware offer various benefits, including coverage for Medicare Part A and Part B deductibles, coinsurance, and copayments. Some plans may also provide additional benefits like coverage for skilled nursing facility care and foreign travel emergencies.
Can I switch Medicare Supplement Plans in Delaware during 2025?
Yes, you can generally switch Medicare Supplement Plans in Delaware anytime during the year. However, it’s important to consider any limitations or waiting periods that may apply and to ensure you meet the eligibility requirements for the new plan.
How much do Medicare Supplement Plans cost in Delaware?
The cost of Medicare Supplement Plans in Delaware can vary depending on factors such as the insurance company, the specific plan chosen, your age, and location. It’s advisable to compare prices from different insurance providers to find a plan that fits your budget.
Are there any enrollment periods for Medicare Supplement Plans in Delaware?
Unlike Medicare Advantage Plans, Medicare Supplement Plans in Delaware do not have specific enrollment periods. You can apply for a plan at any time, but keep in mind that certain periods may offer guaranteed issue rights, such as the Medigap Open Enrollment Period.
Can I keep my Medicare Supplement Plan if I move to another state from Delaware?
Yes, you can generally keep your Medicare Supplement Plan if you move to another state from Delaware. However, it’s essential to review your plan’s terms and coverage to ensure it remains suitable for your new location.
Are prescription drugs covered by Medicare Supplement Plans in Delaware?
No, Medicare Supplement Plans in Delaware do not typically include coverage for prescription drugs. To obtain prescription drug coverage, you must enroll in a separate Medicare Part D Prescription Drug Plan.
Can I use any doctor or hospital with a Medicare Supplement Plan in Delaware?
Yes, Medicare Supplement Plans in Delaware generally allow you to use any doctor or hospital that accepts Medicare patients. These plans do not restrict you to specific networks, providing flexibility in choosing healthcare providers.
Are Medicare Supplement Plans in Delaware standardized?
Yes, Medicare Supplement Plans in Delaware are standardized, meaning that the benefits for each plan type, labeled with letters such as Plan F, Plan G, etc., are the same regardless of the insurance company offering them. However, prices and availability may vary among insurance providers.
Find the Right Medicare Plan for You
Discovering the right Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.