Get Medicare Supplement Plans in Delaware: Medicare Delaware

Medicare Supplement Insurance Plans in Delaware

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Key Details About Medicare Supplement Insurance Plans in Delaware?

If you’re intent on crossing the Delaware River, it’s critical to know if there are any gaps in the map. The same is true when it comes to assessing some of the gaps in Original Medicare coverage, such as copayments, coinsurance and deductibles. Medicare Supplement Insurance Plans, also known as Medigap, help cover out-of-pocket costs that aren’t covered by Medicare Parts A and B.

Medicare Supplement Insurance Plans in Delaware - Image

Medigap plans are available from private insurance companies throughout Delaware. In 2023, residents of Delaware have 10 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Delaware residents looking for the most popular Medicare Supplement Insurance plans need to first look at their specific coverage needs to determine what type of Medigap plan to consider.

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Most Popular Medicare Supplement Insurance Plans in Delaware

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Delaware. Below are statistics outlining the most popular Medigap options selected by Delaware residents. Insurance companies that sell Medigap plans offer the same basic benefits, but plans may come at different prices. Each insurer may not offer each of the available Medicare Supplement Plans.

As reported by America’s Health Insurance Plans (AHIP), 66,163 Delaware beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Delaware enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	450	477	1,448	1,800	271	30,215	16,002	69	726	2,743	704	245	0	10,888

Source:

AHIP

(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Delaware Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs. Another option is to consider a Delaware Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance Plan options in Delaware by working with a SelectQuote licensed insurance agent. We act as your advocate, guiding you through the Medicare maze to better understand Medigap Plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Insurance plans in Delaware.

Delaware residents cannot be enrolled in a Medicare Supplement Insurance plan and a Medicare Advantage Plan at the same time. A Medigap Plan in Delaware cannot be used to pay for any expenses for a Medicare Advantage Plan.

Delaware Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Delaware begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Delaware residents have a six-month window around their birth month to buy a Medicare Supplement Insurance plan. Delaware residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. It’s a smart idea to get a jump on enrollment. You can enroll as early as 64 and 6 months of age. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting during this time. In other words, during this time your acceptance is guaranteed. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you’ll be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a Delaware Medicare Supplement Insurance Plan Right for You?

SelectQuote is an independent third party company that specializes in helping consumers find the right Medicare plan to meet their needs. We are prepared to help ensure you’re getting all the benefits available to you. We can also help you stay current with annual updates to Medicare plans made by insurance companies. You can count on SelectQuote to help Delaware residents find the right Medicare Supplement Insurance plan to meet their needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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