The Best Delaware Medicare Supplement Plans (2024)

The cost of a Medicare Supplement plan can vary based on numerous factors, one being your age. For a 65-year-old, Medigap plans in Delaware cost an average of $121 per month and an average of $186 per month for 75-year-olds.

Costs can also depend on your chosen plan. Thanks to their comprehensive coverage, the most popular plans are Plan F, which costs an average of $195.97 per month, and Plan G, which costs an average of $120.90 per month. However, Plan F is no longer available for those who became eligible for Medicare after 2020.

For those who qualified for Medicare after 2020, Plan N is the most popular choice, costing a monthly average of $115.80.

MoneyGeek’s methodology focused on the average premiums and benefits that Plans F, G and N provided to find the best Medicare Supplement plan providers in Delaware. Review how to pick the best Medicare Supplement plan if you’d like to learn more about the different types of plans and their coverage.

MoneyGeek’s methodology for comparing Medicare Supplement plans in Delaware focused on the average premiums and benefits of these three plans to determine the best options.

Plan G is one of the most comprehensive plans available for new enrollees, making it a popular choice. Based on MoneyGeek’s analysis, UnitedHealthcare offers the best Medigap Plan G in Delaware, costing an average of $138.16 per month.

However, note that MoneyGeek’s methodology only included providers who offered quotes online. This means that there may be cheaper or better options for you amongst local providers in Delaware who need to be contacted via phone or email.

Medigap Plan G costs an average of $145.10 per month in Delaware, but actual rates can vary based on the provider. Case in point, Humana has the cheapest Plan G in the state, costing an average of $105.10 per month, while State Farm has the most costly offer at an average of $158.10.

Note that aside from the provider, costs can also depend on your age when you initially purchased a plan, your current age, discounts that you qualify for and other medical underwriting factors.

There are 30 providers of Medigap Plan G in Delaware, but only five offer quotes online. This can make your search difficult. However, in order to save you a few steps to find the best provider for you, MoneyGeek laid out the contact information of each Plan G provider in Delaware below, along with their pricing plan.

Plan G and all other Medigap plans are standardized across providers and must include certain benefits. While Plan G is comprehensive, covering hospital costs, skilled nursing facility care and more, it does not cover Part B deductibles.

Certain companies may also choose to offer additional features. For instance, despite not being the most affordable provider in the state, UnitedHealthcare’s gym membership and dental, vision and hearing discounts can entice policyholders who can leverage these features.

Among Medicare Supplement plans in Delaware, Plan F is the most comprehensive. The best provider for Plan F in the state is Aetna, charging an average rate of $170.74 per month. Keep in mind that MoneyGeek only ranked providers who offered quotes online, which means you may find cheaper or better providers among those who need to be contacted directly for a quote.

It is also worth noting that Plan F is no longer available for individuals who became eligible for Medicare after January 1, 2020.

The average cost of Medigap Plan F in Delaware is $196 per month, but actual costs can vary based on a number of factors, such as your chosen provider and their pricing plan, your age, your discounts and any medical underwriting factors.

For 75-year-olds in Delaware, however, the most affordable provider is Aetna, at an average of $170.70 per month. Conversely, UnitedHealthcare has the most expensive Plan F policy at an average of $302 per month. This is a whopping difference of $131.30, which goes to show that comparing Medicare Supplement plans in Delaware can save you a lot of money in the long term.

There are 29 Medigap Plan F providers in Delaware, but not all of them offer quotes online. This can make the search difficult, as you’ll have to call or email other providers to properly compare quotes.

To help you save time and find a provider that suits your needs, MoneyGeek collected the contact and pricing information of Medicare Supplement Plan F providers in Delaware and presented them below.

Across all providers, Medigap Plan F offers the same basic benefits, as is required of any Medicare Supplement plan in Delaware and elsewhere. Generally, Plan F is one of the most comprehensive plans, offering Part A and B coinsurance, Part A and B deductibles, Part B excess charges and more. On top of this, certain providers offer additional benefits, such as Aetna’s foreign travel emergency coverage.

The best Plan N provider in Delaware is also Aetna, with rates averaging $104.12 per month. Note that MoneyGeek’s rankings for Plan N only included providers who offer quotes online. This means that there may be more Medicare Supplement plan providers in Delaware who offer cheaper premiums but need to be contacted by phone or in person.

Delaware residents pay an average of $146.40 per month for Medigap Plan N. However, costs can still change depending on the provider. For instance, Aetna has the cheapest average premium for Plan N in Delaware at $104.12 per month, while Humana has the most expensive at an average of $130.30 per month.

Keep in mind that there are also other factors that can affect the cost of your Medicare Supplement plan. This includes your age when you first purchased it, your current age, your discounts and other medical underwriting factors.

If you are interested in purchasing a Medigap Plan N policy in Delaware, you can choose from the 29 providers in the state. However, note that only five of them provide quotes for Plan N online.

To get quotes from the other 24 providers, you may have to contact them via phone. In order to help you find a provider that fits your situation, MoneyGeek collected the contact information of all Plan N providers in Delaware. Review their contact details and pricing styles below.

In the same way that all Medigap policies are standardized, Plan N is required to provide a certain minimum of benefits, such as coinsurance and deductibles for Part A. However, it does not cover Part B deductibles or excess charges. Providers may include additional benefits at their discretion. Aetna, for example, offers additional foreign travel emergency coverage.

There are plenty of other Medicare Supplement plans available for purchase in Delaware, including Plans A, B, C, D, K and L. These plans are less popular due to their less-than-comprehensive coverage but may suit those with specific needs.

Based on their affordability and coverage, MoneyGeek ranked the best Medigap providers in Delaware for these plans where online quotes were available. The only companies that provide quotes online include UnitedHealthcare, Humana, Highmark, State Farm and Aetna.

Note that if you qualified for Medicare after January 1, 2020, you will not be able to purchase Plan C in Delaware or elsewhere.

Given the wide range of available plans and their varying coverage, determining which Medigap plan is best for you can be challenging. To help you make an easier decision, MoneyGeek developed a comparison chart for you to compare Medicare Supplement plans in Delaware based on pricing data.

Medicare Supplement plans all have varying levels of coverage and eligibility requirements. For instance, Plan F and Plan C have the most coverage but are no longer available for new enrollees. These were replaced for new users by Plan G and Plan D.

Review the chart below to compare Medigap plans in Delaware based on their coverage and average rates.

The cost of Medigap plans in Delaware depends on the type of plan you get, along with your eligibility and other personal factors. Highmark is the most affordable for Plans A, B and D, Aetna is the cheapest for Plans F and N and Humana offers the cheapest Plans G and C.

Aside from this, the price of your Medigap plan can depend on the provider’s pricing style.

• Issue-age: This means premiums are based on your age when you first purchased your plan. In Delaware, this is the most common pricing style among providers.
• Community-rated: Providers who offer community-rated plans charge the same monthly premium to people of all ages.

To gain a better understanding of Medicare Supplement plans in Delaware, review the frequently asked questions below.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Delaware for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.