Thousands of Middletown residents enroll in Original Medicare, or a Medicare Advantage plan each year. A Middletown, Delaware, Medicare Advantage plan can make specific medical expenses more affordable.
We’ll explore various Middletown, Delaware, Medicare Advantage plans, their benefits, and how they can make some of your medical needs more affordable.
Medicare plans in Middletown, Delaware
Medicare Advantage plans help Middletown residents pay for specific medical services not covered by Original Medicare. Qualified enrollees can supplement their Medicare Part A and Part B with their Medicare Advantage plan.
We based the following information on 65-year-old male enrollees.
Medicare Advantage plans
Currently, Middletown residents can choose among 19 different Medicare Advantage plans. Below are some of the most affordable Middletown, Delaware, Medicare Advantage plans.
Humana offers 4-star HMO (Health Maintenance Organization) Medicare Advantage plans. These plans feature zero-dollar premiums and a $4,900 MOOP (Maximum Out of Pocket). Humana’s Medicare Advantage plans currently have the lowest MOOP in Middletown.
Aetna is another popular Medicare Advantage plan provider in Middletown. It provides 4-star local PPO (Preferred Provider Organization) plan types. Aetna plans don’t carry a premium and have a $7,550 MOOP.
Highmark also carries local PPO Medicare Advantage plans. These plans have zero-dollar premiums and a $7,550 MOOP. Although Highmark Medicare Advantage plans don’t have a star rating, they are exceedingly popular among Middletown residents.
The average cost of Medicare Advantage plans in Middletown, Delaware
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 4 |
| Cigna | $0 | $6,900 | HMO | 3 |
| Aetna | $0 | $7,550 | LOCAL PPO | 4 |
| Humana | $0 | $4,900 | HMO | 4 |
| Highmark | $0 | $7,550 | LOCAL PPO | N/A |
Medicare Supplement plans
Middletown, Delaware Medicare Supplement/Medigap plans cover medical services you would otherwise pay yourself. The United States government standardizes these Medigap/Medicare Supplement plans nationwide, ensuring the benefits don’t fluctuate among states, insurance providers, and zip codes. However, monthly premiums often differ from state to state and zip code to zip code.
Medigap Plan G is one of the most popular plans in Middletown. These plans provide extensive coverage and don’t require beneficiaries to pay a Part B deductible. Premiums range from $163.30 to $218.
Medigap Plan F provides the most coverage of all available Medigap plans. Also known as the Cadillac plan, Medigap Plan F is easy to understand and use. Premiums cost between $178.51 and $249.73.
Medigap Plan N is another renowned plan among Middletown residents. It has more affordable premiums than other Medigap plans but requires a small copay for doctor and emergency room visits. Premiums range from $105.42 to $314.62.
The average cost of Medicare Supplement plans in Middletown, Delaware
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $92.90 | $359.12 |
| PLAN B | $111.59 | $347.12 |
| PLAN C | $150.17 | $423.62 |
| PLAN D | $117.95 | $253.00 |
| PLAN F | $153.66 | $426.25 |
| PLAN HDF | $32.00 | $88.08 |
| PLAN G | $128.37 | $410.12 |
| PLAN HDG | $32.00 | $89.23 |
| PLAN K | $56.40 | $141.62 |
| PLAN L | $94.25 | $250.32 |
| PLAN M | $133.78 | $268.33 |
| PLAN N | $105.42 | $314.62 |
Medicare Part D prescription drug plans
Since Medigap plans don’t cover medications, and only a few Medicare Advantage plans include drug costs, many Middletown residents turn to Medicare Part D plans to help cover the cost of their prescriptions. Medicare Part D plans are independent plans sold by private insurance providers.
Aetna offers 3-star Medicare Part D plans. Its plans carry a $7.10 premium and a $480 deductible. Aetna’s Part D plans currently have the most affordable premiums.
WellCare Medicare Part D plans are also popular among Middletown residents. They sport a 3-star rating, a $12.90 premium, and an annual deductible cost of $480.
UnitedHealthcare carries 4-star Part D plans. They have a $29.30 premium and a $310 deductible. Although UnitedHealthcare Part D plans have a higher monthly premium, they have the most affordable deductible and have one of the highest star ratings.
The average cost of Medicare Part D plans in Middletown, Delaware
| 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 |
Special Needs plans
Special Needs Plans (SNPs) are a subdivision of Medicare Advantage plans designed for residents with disabling conditions and special needs. However, SNPs aren’t available in every zip code.
Humana offers HMO Special Needs Plans with zero-dollar premiums. They also have a low MOOP of $3,450. However, beneficiaries must have Medicare and Medicaid to qualify (Dual Eligibility).
UnitedHealthcare also offers HMO SNP plan types, with a zero-dollar premium and a $7,550 MOOP. Enrollees must have Medicaid and Medicare to qualify (Dual Eligibility).
Cigna carries HMO SNPs with $31 premiums and a $7,550 MOOP. Beneficiaries must have Medicare and Medicaid to qualify (dual eligibility). Cigna’s SNPs are the only plans with a premium.
The average cost of Medicare Special Needs plans in Middletown, Delaware
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Cigna | $0 | $7,550 | HMO | Dual |
| Cigna | $31.00 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Middletown
Contact us if you need assistance signing up for Middletown, Delaware Supplemental Medicare. Our team can help you find the best plan completely free of charge.
The agents you’ll talk to only want to share their knowledge and time so you can get additional coverage suited to your needs.
Call us today or complete our online rate form to see current Middletown Medicare rates!
