Thousands of Dover residents enroll in Original Medicare each year. Some also purchase a Dover, Delaware Medicare Advantage plan to help them pay for medical services they usually pay for out of pocket.

We’ll explore various Medical Advantage plans available in Dover, DE, and how they can make your medical cost more economical.

Dover, Delaware Supplemental Medicare Plans

Supplemental Medicare enrollees enjoy numerous benefits. These plans can make medical services more affordable. We based the following information on 65-year-old female beneficiaries.

Average Medicare Advantage Plans in Dover, Delaware

Dover residents currently have 17 supplemental Medicare plans to consider, each providing unique medical benefits. They make specific health care expenses more affordable so you can save money on vision, dental, hearing, and other medical services.

UnitedHealthcare offers 4-star local PPO (Preferred Provider Organization) Supplemental Medicare plans. These plans have zero-dollar premiums and a $5,900 MOOP (Maximum Out of Pocket). UnitedHealthcare Supplemental Medicare plans currently have the lowest monthly premiums.

Highmark also carries local PPO Supplemental Medicare plans. They carry zero-dollar premiums and a $7,550 MOOP. Although Highmark Supplemental Medicare plans don’t have a star rating, they are exceedingly popular among Dover residents.

Cigna is another popular Dover, Delaware Supplemental Medicare plan provider. It provides HMO (Health Maintenance Organization) plan types without premiums. These plans also have a $6,900 MOOP.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $5,900 LOCAL PPO 4
Highmark $0 $7,550 LOCAL PPO N/A
Aetna $0 $7,550 LOCAL PPO 4
Humana $0 $6,700 LOCAL PPO 4
Cigna $0 $6,900 HMO 3

Cheapest Medicare Supplemental Plans in Dover, Delaware

Medigap/Medicare Supplement plans are government-standardized policies that fill holes within Original Medicare. Their benefits don’t change from zip code to zip code or state to state, ensuring your coverage remains the same nationwide. However, premiums often vary between states, zip codes, and providers.

Medigap Plan G is one of the most renowned plans currently available in Dover. It’s a comprehensive plan that doesn’t require enrollees to pay a Part B deductible. Premiums range from $163.30 to $218.43.

Another popular plan among Dover residents is Medigap Plan F. It’s the most extensive Medigap plan available and provides comprehensive coverage at a relatively affordable rate. Premiums cost between $147.17 and $377.50.

If you want a quality Medigap plan with lower monthly premiums, consider Medigap Plan HDG (High-Deductible Plan G). It provides the same coverage as Medigap Plan G but with higher monthly deductibles. Premiums range from $28 to $79.67.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $89.95 $323.19
PLAN B $111.59 $307.37
PLAN C $150.17 $375.62
PLAN D $109.34 $220.00
PLAN F $147.17 $377.50
PLAN HDF $28.00 $88.08
PLAN G $122.13 $363.75
PLAN HDG $28.00 $79.67
PLAN K $49.69 $125.12
PLAN L $82.08 $225.59
PLAN M $122.01 $241.94
PLAN N $91.67 $278.76

Affordable Medicare Part D in Dover, Delaware

Many Dover residents need help paying for prescription drugs since Medigap plans don’t cover medications. Although some Medicare Advantage plans cover prescriptions, most don’t include drug coverage.

However, purchasing a Dover, Delaware Medicare Part D plan from a private insurance carrier can make your medications more affordable.

Aetna offers 3-star Medicare Part D plans. They carry $7.10 premiums and a $480 deductible. Aetna Medicare Part D plans currently have the lowest monthly premiums.

WellCare is another popular Dover, Delaware Medicare Part D plan carrier. These plans carry $12.90 premiums and $480 annual deductibles. They also have a 3-star rating.

Humana offers 4-star Medicare Part D plans. Enrollees pay $22.70 premiums and a $480 annual deductible. Humana’s Medicare Part D plans currently have one of the highest star ratings, at four out of five.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.10 $480 3
Wellcare $12.90 $480 3
Clear Spring $17.20 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Dover, Delaware

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans that provide coverage for beneficiaries with chronic disabilities and special needs. Unfortunately, SNPs aren’t available in every Delaware zip code.

Aetna offers HMO SNPs with zero-dollar premiums. They also have a $7,550 MOOP. Beneficiaries must have Medicare and Medicaid to qualify (Dual Eligibility).

Humana also offers HMO Special Needs Plans. These SNPs don’t carry premiums and have a $3,450 MOOP. However, enrollees must have Medicare and Medicaid to enroll (Dual Eligibility).

Cigna carries HMO SNPs with $31 premiums and a $7,550 MOOP. These plans also require dual eligibility. Cigna’s SNPs are the only policies without a zero-dollar monthly premium.

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO Dual
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Cigna $0 $7,550 HMO Dual
Cigna $31.00 $7,550 HMO Dual

FAQs

Can Medigap premiums be deducted from Social Security in Dover, Delaware?

No. Medigap doesn’t deduct premiums from your Social Security automatically. You must pay your Medigap plan provider directly.

Is Plan G available in Dover, Delaware?

Yes. Medigap Plan G is available to qualified Dover residents. Contact your local private insurance provider to purchase Medigap Plan G.

What is the least expensive Medicare Supplement plan in Dover, Delaware?

Plan K is the most affordable Dover, Delaware Medicare Supplement plan available. However, it provides limited coverage compared to other Medicare Supplement policies. Medicare Supplement Plan N offers extensive coverage at a more economical price.

Who qualifies for Medigap insurance in Dover, Delaware?

Residents 65 years old or older qualify for Medigap insurance. Beneficiaries under 65 currently enrolled in Medicare due to a disability also qualify for Medigap insurance plans.

Are Medigap premiums based on income in Dover, Delaware?

Private insurance providers set Medigap premiums using one of three rating systems:

  • Community-rated
  • Issue-age-rated
  • Attained-age-rated

The community-rated method charges everyone the same premiums monthly. However, the issue-age-rated and attained-age-rated methods base the premiums on your age. Issue-age-rated policies keep the same premiums over time, while the attained-age-rated plan premiums increase as you age.

It’s crucial to thoroughly research each plan’s premium rating method and talk to your local insurance provider before committing to a specific plan.

How to Sign Up for Supplemental Medicare in Dover

Medigap.com makes signing up for a Dover, Delaware Supplemental Medicare plan more straightforward than ever.

Our team can help you find the perfect Supplemental Medicare plan for you and your loved ones completely free.

Give us a call or complete our online rate form to see the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.