LifeShield National has Delaware's lowest rates at 65 for Plan N ($125 a month), Plan G ($161) and Plan F ($194). Medigap plans are standardized by letter, so Plan G covers the same benefits from any insurer. Attained-age premiums rise as you get older, and issue-age premiums are based on your age when you buy.
Best Medicare Supplement Plans in Delaware (2026)
Updated: October 11, 2026
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Key Takeaways
LifeShield National offers Delaware's cheapest Plan G, F and N rates at 65, with Plan G at $161 a month, $85 below the state average.
Medicare Supplement plans in Delaware average $100 a month (Plan K) to $314 (Plan F) at 65, and Transamerica's Plan K is cheapest at $77.
Plans with the same letter cover the same benefits from every insurer, so compare quotes from multiple insurers and check whether each one's premiums rise with your age.
Best Medicare Supplement Plans in Delaware
| Blue Cross Blue Shield | A | $116 | $87 | Attained Age Pricing |
| Blue Cross Blue Shield | B | $136 | $86 | Attained Age Pricing |
| Blue Cross Blue Shield | C | $198 | $70 | Attained Age Pricing |
| Blue Cross Blue Shield | D | $151 | $20 | Attained Age Pricing |
| LifeShield National | F | $194 | $120 | Attained Age Pricing |
| LifeShield National | G | $161 | $85 | Attained Age Pricing |
| Transamerica | K | $77 | $23 | Issue Age Pricing |
| Transamerica | L | $114 | $46 | Issue Age Pricing |
| Transamerica | M | $140 | $0 | Issue Age Pricing |
| LifeShield National | N | $125 | $65 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Plan G Rate at 65
$161Plan Types
A, F, G, N
Blue Cross Blue Shield
MoneyGeek Rating
4.1/ 5
4.9/5Affordability
3.7/5Pricing Style
2.9/5Plan Availability
Plan G Rate at 65
$163Plan Types
A, B, C, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Plan G Rate at 65
$162Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Delaware
Plan G is the most complete Medicare Supplement plan for people new to Medicare in Delaware. It covers the deductibles, coinsurance and copays that Original Medicare leaves you to pay, except for the Part B deductible, the yearly amount you pay for doctor and outpatient care before Medicare starts paying.
LifeShield National has Delaware's cheapest Plan G at $161 monthly, $85 below the $246 state average.
| LifeShield National | $161 | $85 | $1,932 | $1,014 |
| Transamerica | $162 | $84 | $1,944 | $1,002 |
| State Farm | $163 | $83 | $1,956 | $990 |
| Blue Cross Blue Shield | $163 | $83 | $1,956 | $990 |
| Nassau | $170 | $76 | $2,040 | $906 |
| USAA | $176 | $70 | $2,112 | $834 |
| American Benefit | $176 | $70 | $2,112 | $834 |
*Prices are for 65-year-olds.
Best Medicare Supplement Plan F in Delaware
LifeShield National has Delaware's cheapest Plan F at $194 monthly, $120 below the $314 state average.
Only people who became eligible for Medicare before Jan. 1, 2020, can buy Plan F, so someone who first qualifies for Medicare at 65 in 2026 can't. Plan F covers all the deductibles, coinsurance and copays Original Medicare leaves you to pay, including the Part A and Part B deductibles.
| LifeShield National | $194 | $120 | $2,328 | $1,439 |
| AFLAC | $195 | $119 | $2,340 | $1,427 |
| Nassau | $198 | $116 | $2,376 | $1,391 |
| Transamerica | $200 | $114 | $2,400 | $1,367 |
| Blue Cross Blue Shield | $201 | $113 | $2,406 | $1,361 |
| Mutual of Omaha | $205 | $109 | $2,460 | $1,307 |
| American Benefit | $215 | $99 | $2,580 | $1,187 |
*Prices are for 65-year-olds.
Best Medicare Supplement Plan N in Delaware
Plan N averages $190 a month, $56 below Plan G's $246 average, in exchange for copays of up to $20 for some office visits and $50 for emergency room visits without a hospital admission. Plan N also leaves Part B excess charges (what some doctors bill above Medicare's approved amount) for you to pay.
LifeShield National has Delaware's lowest Plan N rate at $125 a month, $65 below the state average.
| LifeShield National | $125 | $65 | $1,500 | $780 |
| State Farm | $126 | $64 | $1,512 | $768 |
| Nassau | $127 | $63 | $1,524 | $756 |
| American Benefit | $129 | $61 | $1,548 | $732 |
| Aetna | $130 | $60 | $1,560 | $720 |
| Blue Cross Blue Shield | $131 | $59 | $1,572 | $708 |
| Transamerica | $132 | $58 | $1,584 | $696 |
*Prices are for 65-year-olds.
Personalized Delaware Medicare Supplement Plan Recommendations
Use the filters below to match your age with available plan types. Among the 10 insurers listed for Plan A at 65, rates range from $116 a month (Blue Cross Blue Shield) to $164 (United American).
Data filtered by:
A
Select
No
| Blue Cross Blue Shield | A | No | 65 | $116 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $127 | $0 | Issue Age Pricing |
| Globe Life | A | No | 65 | $132 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $138 | $0 | Attained Age Pricing |
| Humana | A | No | 65 | $142 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $149 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $153 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $155 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $160 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $164 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Delaware
Delaware Medicare Supplement insurance costs average $201 monthly for 65-year-olds across all 10 plan types, based on the plan averages in the table below. Plan averages range from $100 for Plan K to $314 for Plan F.
Each plan's average comes from a different group of insurers, and the averages don't always track coverage level. Plan D averages $171, for example, though it covers more than Plan A at $203.
Your rate also shifts with insurer choice, your age and the insurer's pricing method, which can be attained age, issue age or community-rated. Community-rated pricing charges everyone the same premium regardless of age.
| A | $203 | $2,436 |
| B | $221 | $2,652 |
| C | $268 | $3,216 |
| D | $171 | $2,052 |
| F | $314 | $3,768 |
| G | $246 | $2,952 |
| K | $100 | $1,200 |
| L | $160 | $1,920 |
| M | $140 | $1,680 |
| N | $190 | $2,280 |
How to Choose the Best Medicare Supplement Plan
Choose a plan letter, then compare Delaware insurers on price, pricing style and ratings.
- 1Assess Your Health Care Needs
If you see doctors often, more coverage leaves you less to pay per visit. Plans A, B, K and L don't cover medical emergencies abroad.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N averages $190 a month to Plan G's $246 but adds copays and doesn't cover Part B excess charges. Plans F and C are available only if you became eligible for Medicare before Jan. 1, 2020.
Plans K and L average $100 and $160 a month. Both pay all Part A hospital coinsurance and 50% (K) or 75% (L) of other shared costs until you reach a yearly out-of-pocket limit and pay the Part B deductible. After that, they pay 100% of covered services for the rest of the year.
- 3Get Quotes From Multiple Providers
Insurers charge different rates for identical coverage. Plan G, for example, costs $161 a month from LifeShield National and $176 from USAA. Get quotes from at least three companies.
- 4Check Pricing Style
Issue-age and community-rated premiums don't rise with age, but attained-age premiums do. At 65, Transamerica's issue-age Plan G costs $162 a month, $1 more than LifeShield National's attained-age Plan G.
- 5Check Company Ratings
Check AM Best ratings, which grade an insurer's ability to pay claims, and customer satisfaction scores.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers can charge more based on your health. They can deny you too, except under Delaware's birthday rule or when you leave Medicare Advantage during a federal enrollment period.
Delaware Medicare Resources
Delaware residents can get free help selecting Medicare coverage and understanding their options.
- Delaware Medicare Assistance Bureau (DMAB): Formerly ELDERinfo, DMAB is Delaware's State Health Insurance Assistance Program (SHIP) within the Department of Insurance. Trained volunteer counselors offer free sessions statewide. Call (800) 336-9500 or (302) 674-7364. Senate Bill 42 requires insurers offering Medigap to adults 65+ to offer the same policies to under-65 Medicare recipients with disabilities, who get six months to enroll from benefit start.
- Delaware Department of Insurance, Consumer Services Division: After contacting your insurer, submit complaints by fax, email, mail or phone. Call (800) 282-8611 in Delaware or (302) 674-7310. The division can get information from insurers for you.
- Division of Services for Aging and Adults with Physical Disabilities (DSAAPD): Operates the Delaware Aging and Disability Resource Center (ADRC), which answers questions Monday through Friday, 8 a.m. to 4:30 p.m.
- Medicare.gov: Compare Medigap policies with the site's Medigap policy finder. Since January 2026, Delaware's birthday rule lets Medigap policyholders who live in Delaware switch to a plan with the same or lesser benefits, without answering health questions, from 30 days before each birthday until at least 30 days after.
Medicare Supplement Plans in Delaware: FAQ
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions.
You can buy a Medicare Supplement plan anytime, but outside this period, insurers can charge more based on your health. They can deny you too, except under Delaware's birthday rule or when you leave Medicare Advantage during a federal enrollment period.
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G covers everything Plan F does except the Part B deductible. Plan F provides the most complete coverage but is available only to those eligible for Medicare before 2020.
Plan N averages $190 a month in Delaware, $56 below Plan G, but charges copays of up to $20 for some office visits and $50 for emergency room visits without a hospital admission.
Medicare Supplement plans renew automatically as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans, whose benefits and networks can change each year.
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans are an all-in-one alternative way to get your Medicare benefits, with their own networks, costs and coverage rules.
Standard Supplement plans work with any doctor in the U.S. who accepts Medicare, while Advantage HMOs and PPOs use provider networks. Advantage plans can add vision, hearing and dental benefits that Original Medicare doesn't cover.
Our Methodology
MoneyGeek collected Delaware Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's Medigap policy finder. Unless otherwise noted, this article references quotes for 65-year-olds. Each plan's average uses the 65-year-old quotes from insurers that sell that plan in Delaware.
We scored Delaware Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums get higher scores.
- Pricing style (20%): Community-rated pricing scores highest, then issue-age pricing, then attained-age pricing.
- Plan availability (30%): Scores reflect the plan types each insurer sells, with popular Plans G, F and N weighted most heavily.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Medicare.gov. "Compare Medigap Plan Benefits." Accessed October 11, 2026.
- Medicare.gov. "Choosing a Medigap Policy." Accessed October 11, 2026.
- Delaware.gov. "DELAWARE ANNOUNCES ADDITIONAL OPEN ENROLLMENT/GUARANTEED ISSUE PERIODS FOR MEDICARE SUPPLEMENT POLICIES." Accessed October 11, 2026.
- Delaware.gov. "Delaware Medicare Assistance Bureau." Accessed October 11, 2026.
- Delaware.gov. "File a Complaint/Appeal." Accessed October 11, 2026.
- Medicare.gov. "Find a Medigap policy that works for you." Accessed October 11, 2026.