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Medicare Supplement Insurance Plans in Delaware
Medicare Supplement Plans (Medigap) in Delaware 2026
If you’re looking to get Medicare coverage in Delaware, it’s important to know how your benefits work. Original Medicare (Parts A and B) pays for many healthcare expenses, but it doesn't cover everything. Medicare Supplement insurance plans, also called Medigap, are sold by private companies to help pay for out-of-pocket costs like deductibles, copayments, and coinsurance.
Your Medigap policy acts as a secondary payer. This means Original Medicare pays its share of your approved medical bills first, and your Medigap policy steps in to pay its portion next. You can use your Medigap benefits anywhere in the United States that accepts Medicare.
This setup is very different from private Medicare Advantage plans, which replace the way you get your Original Medicare benefits. Medicare Advantage plans often use local doctor networks and require referrals, while Medigap lets you visit any doctor who takes Medicare.
Key Delaware 2026 Takeaways
New 2026 Delaware Birthday Rule: Starting January 1, 2026, Delaware policyholders get a 60-day window around their birthday each year to switch to an equal or lesser Medigap plan without answering medical health questions.
Under-65 Medigap Access: Delaware state law (Senate Bill 42) requires insurance companies that sell Medigap to seniors aged 65 and older to offer those same plans to residents under 65 who qualify for Medicare due to a disability.
Standardized Lettered Plans: Delaware uses the standard federal Medigap plan options, labeled Plan A through Plan N. None of these plans include prescription coverage, so you'll need a separate Part D plan for your medications.
Compare Medicare plans and request a free quote today!
What is a Medicare Supplement plan in Delaware?
A Medicare Supplement plan acts strictly as your secondary coverage. When you get medical care, Original Medicare pays its approved share first. After that, your Medigap policy steps in to handle remaining costs, such as the 20% coinsurance for doctor visits under Part B.
Delaware Medigap plans cover gaps in hospital and medical bills, but they don't cover prescription drugs. To cover your medications, you'll want to add a standalone Medicare Part D plan. You can learn more about how these parts fit together by reading our Medicare overview.
Types of Medicare Supplement Plans Offered in Delaware
The federal government standardizes Medigap options into lettered plans, A through N. Every insurance company selling a specific lettered plan must offer the exact same basic benefits.
Older options like Plan C and Plan F are no longer sold to people who became eligible for Medicare on or after January 1, 2020. However, if you were enrolled in Plan C or Plan F before that date, you are grandfathered in and can keep your plan. You can explore all standard choices on our Medicare Supplement plans page.
Most Popular Medicare Supplement Insurance Plans in Delaware
For Delaware residents who became eligible for Medicare after 2020, two choices stand out as the most popular options:
Plan G: This is the most comprehensive choice for new enrollees. Once you pay the small annual Part B deductible, Plan G pays 100% of your remaining Medicare-approved out-of-pocket costs.
Plan N: Offers lower monthly costs than Plan G. In exchange, you pay small copayments (up to $20 for some doctor visits and up to $50 for emergency room visits) and cover any Part B excess charges.
Benefit Features | Medigap Plan G | Medigap Plan N |
Part A Hospital Deductible and& Coinsurance | Covered 100% | Covered 100% |
Part B Medical Coinsurance | Covered 100% | Covered 100% (minus small copays) |
Part B Annual Deductible | You Pay | You Pay |
Doctor Visit Copays | $0 Copay | Up to $20 Copay |
Emergency Room Copays | $0 Copay | Up to $50 Copay |
Part B Excess Charges | Covered 100% | You Pay |
Which Delaware senior are you?
Choosing the right plan depends on your personal healthcare needs and budget. Consider these three senior profiles:
The Predictable Planner (Plan G): You prefer paying a set monthly premium so you don't have to worry about unexpected hospital or doctor bills after meeting your small Part B deductible.
The Value Seeker (Plan N): You want lower monthly premiums and don't mind paying small, fixed copayments when you visit the doctor or the emergency room.
The Premium Saver (High-Deductible Plan G): You want protection against major medical bills, but you prefer the lowest monthly premium in exchange for paying your own costs up to an annual deductible.
Delaware Medicare Enrollment Periods and Switching Rules
Your best time to buy a policy is during your primary Medigap open enrollment period. This six-month window starts the first month you are at least 65 years old and enrolled in Medicare Part B. During this window, insurance carriers cannot ask health questions, deny you coverage, or charge you higher prices for past health issues. You can review all key dates in our Medicare enrollment periods guide.
Delaware laws also offer protections if you decide to drop a Medicare Advantage plan and return to Original Medicare. During standard enrollment windows, state rules grant you guaranteed rights to purchase a Medigap plan. However, keep in mind that insurers may still look at pre-existing conditions when setting your specific premium rate.
The Delaware Medigap Birthday Rule
Delaware introduced a new Medigap Birthday Rule under Senate Bill 71. Each year, starting 30 days before your birthday and ending 30 days after, you can switch to any Medigap plan that offers equal or lesser benefits.
For example, you can switch from Plan G to another Plan G with a lower price, or move from Plan G to Plan N. The best part is that insurance companies cannot ask medical questions or use your health history to deny your application during this birthday window.
Medicare Supplement Carriers in Delaware
Delaware residents can buy Medigap plans from several recognized, trusted national insurance carriers. Companies authorized to sell plans across the state include:
Highmark Blue Cross Blue Shield Delaware
Mutual of Omaha
Because basic benefits for each lettered plan are set by law, evaluating carriers comes down to price, customer service, and how they adjust premiums over time. SelectQuote serves as an independent marketplace for comparing rate histories across trusted carriers, helping you avoid unexpected price increases down the road.
Medigap Rates in Delaware by ZIP Code
Medigap prices vary based on where you live across Delaware's three counties. Running a localized comparison by ZIP code helps reveal these distinct pricing trends:
New Castle County (Northern DE): Home to Wilmington and Newark, this urban area often has higher baseline rates due to local medical costs and access to large healthcare networks near the Pennsylvania border.
Kent County (Central DE): Including the state capital of Dover, this area balances farming communities with growing suburbs, usually leading to mid-range plan pricing.
Sussex County (Southern DE): This coastal region includes popular retirement towns like Lewes and Rehoboth Beach. The large senior population creates high demand for care, which affects local Medigap pricing pools.
Statewide average prices don't tell the whole story for your specific budget. Contacting a licensed insurance agent to compare quotes by ZIP code can help you see your real costs.
Frequently Asked Questions
Can I use the Delaware Birthday Rule to switch from Medicare Advantage to Medigap?
No. The Birthday Rule applies only to people who already have a Medigap policy and want to switch to a different Medigap plan with equal or fewer benefits. If you want to leave Medicare Advantage, Delaware gives you guaranteed issue rights during standard enrollment periods, though insurers may set your price based on your health history.
Can I buy a Medigap plan in Delaware if I am under 65 and disabled?
Yes. Delaware law requires companies selling Medigap policies to seniors 65 and older to offer those same plans to residents under 65 who qualify for Medicare due to a disability or ESRD. Monthly rates for under-65 policyholders are usually higher than standard senior rates.
Does the Delaware Medicare Assistance Bureau (DMAB) sell Medigap plans?
No. DMAB provides free, unbiased information and counseling for Medicare beneficiaries. They do not sell plans directly. To view prices and enroll, you will need to work with an insurance company or an independent agency such as SelectQuote.
Explore Delaware Medicare Supplement Plans with SelectQuote
Finding the right healthcare coverage doesn't have to be confusing. At SelectQuote, we shop trusted national insurance companies to compare rates and find a plan that fits your health needs and budget. You can explore your options with complete confidence in coverage, knowing our licensed insurance agents are here to guide you every step of the way. Call us or request your free quote today.
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