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.

Middletown, Delaware Supplemental Medicare Plans

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.

Cheapest Medicare Advantage Plans in Middletown, Delaware

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.

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

Affordable Medicare Supplement Plans in Middletown, Delaware

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.

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 in Middletown, Delaware

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.

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 Middletown, Delaware

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 have 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.

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

FAQs

Do Medigap plans have a maximum out-of-pocket in Middletown, Delaware?

No. Middletown Medigap plans don’t carry a maximum out-of-pocket cost. However, the premiums are often a bit higher than other Medicare plans.

Does Medigap cover all costs in Middletown, Delaware?

Although Medigap plans fill gaps within your Original Medicare plan, they don’t pay for every medical service. It’s best to research each Medigap plan to find one that best fits your medical needs.

What is the difference between Medigap and Medicare Advantage plans in Middletown, Delaware?

There are several differences between Medigap and Medicare Advantage plans.

For example, the US government doesn’t standardize Medicare Advantage plans. Also, Medigap plans don’t replace Medicare Part A and Part B (Original Medicare).

How are Medigap rates determined in Middletown, Delaware?

Insurance providers determine Medigap rates and premiums in Middletown. They price the plans using one of the following methods.

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

Talk to your private insurance provider to find current Medigap rates in your zip code.

How do I sign up for Medicare in Middletown, Delaware?

You must apply for Medicare through the Social Security Administration three months before you turn 65. If you currently collect Social Security or disability benefits, you should automatically enroll in Medicare Part A and Part B when you become eligible.

How to Sign Up for Supplemental Medicare 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!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.