There are over 62 million Medicare beneficiaries in the US. Medicare gives these people — and those in Newark, Delaware — the care and treatment they need to live in their advanced age.

We will discuss available options to help Newark, Delaware, Medicare beneficiaries understand the benefits of Medicare Advantage plans.

Newark, Delaware Supplemental Medicare Plans

Medicare Parts A and B don’t cover every healthcare expense. Supplemental Medicare plans cover the extra costs that your Medicare Parts A and B don’t cover.

Here are some quotes for supplemental Medicare Plans, with the prices based on a 70-year-old female living in Newark, Delaware.

Affordable Medicare Advantage Plans in Newark, Delaware

Part C plans (known as Medicare Advantage) replace Original Medicare and add additional benefits. In Newark, Delaware, there are 19 such plans available for purchase.

One plan offered in the area comes from Cigna. Cigna plans are widespread across the United States. This plan has a $0 monthly premium and a maximum out-of-pocket (MOOP) cost of $6,900. Medicare gave this plan a three-star rating.

UnitedHealthcare also has a plan available in the area. UnitedHealthcare plans are the most popular plans in the nation. This plan also has a $0 monthly premium and a MOOP of $5,900. This plan has a higher, four-star rating.

Humana is another popular carrier that offers a plan in the area. This plan is much cheaper, with a $0 monthly premium and a MOOP of $4,900. Medicare also gives it a four-star rating.

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

Average Medicare Supplement Plans in Newark, Delaware

Medicare doesn’t cover the costs of all medical treatment. Medigap supplemental plans help cover those costs. These plans have the same benefits across the nation, though rates vary.

The most popular plan in the United States is Plan G. Plan G covers everything but the deductible for Part B and costs between $128.99 and $363.75 a month. Your supplemental plan functions like Plan F after you meet the deductible limit for Part B.

Plan L functions like Plan G but doesn’t cover Part B excess charges. It also only pays 75% of the covered expense. The main benefit of Plan L is the price drop, with monthly premiums between $87 and $270.12.

Plan K operates like the last two plans but only pays half the cost of covered treatments. Plan K is excellent for those who want some coverage but don’t visit the doctor that often. Its premiums are much lower, between $54.78 and $125.12.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $99.00 $394.84
PLAN B $136.18 $339.58
PLAN C $166.67 $375.62
PLAN D $142.33 $278.00
PLAN F $158.13 $450.55
PLAN HDF $36.00 $109.70
PLAN G $128.99 $363.75
PLAN HDG $36.00 $83.29
PLAN K $54.78 $125.12
PLAN L $87.00 $270.12
PLAN M $153.38 $299.88
PLAN N $100.09 $278.76

Cheapest Medicare Part D in Newark, Delaware

Part D plans help pay for prescription drugs since Medicare and Medigap plans don’t always cover them. Part D plans are entirely separate from Medicare for Newark, Delaware, Medicare beneficiaries.

Clear Spring offers a relatively cheap plan. This plan has a monthly premium of $17.20 with a deductible of $480. Also, Medicare gave it a two-star rating for last year’s performance.

Wellcare has top-rated plans across the United States. The plan for this area has a slightly lower premium of $12.90 a month and a standard deductible of $480. This plan has a higher three-star rating from Medicare.

Aetna offers another Part D plan to the area. Aetna is not among the most popular providers across the nation, but the plan for this area is too good to pass up. It has a three-star rating and the standard $480 deductible. The monthly premium for this plan is very low at $7.10.

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 Newark, Delaware

Special Needs Plans constitute a specific type of Medicare Advantage plan. They are not available in all areas but help those with chronic illnesses or special needs.

Cigna offers two plans in the area. One has a $0 monthly premium and a MOOP of $7,550, while the other has a $31 monthly premium with the same MOOP. Anyone who qualifies for Medicare and Medicaid simultaneously can enroll in both plans.

Aetna also offers a plan in the area. It is an HMO plan with a $0 premium and a MOOP of $7,550. This plan is also open to anyone who is dual-eligible.

UnitedHealthcare has some of the most popular plans in the nation. This plan is open to people who are dual-eligible for Medicare and Medicaid. It is also an HMO with a $0 premium and a $7,550 MOOP.

PLAN PREMIUM MOOP PLAN TYPE ELIGIBILITY
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Aeta $0 $7,550 HMO Dual
Cigna $0 $7,550 HMO Dual
Cigna $31.00 $7,550 HMO Dual

FAQs

Which Medigap plan offers the most coverage in Newark, Delaware?

Plan F offers the most coverage but is only available to people eligible for Medicare before 2020. For everyone else, Plans G and HDG offer the most coverage.

Do Medigap plans cover drugs in Newark, Delaware?

No, they don’t. However, there are Part D Medigap plans that do cover prescription drugs.

How are Medigap rates determined in Newark, Delaware?

Insurance companies determine their rates in three different ways. The entry age of the beneficiary determines one method, and another plan scaffolds pricing as you age. Otherwise, regardless of age, each person’s premium is the same.

How do I change my Medicare plan in Newark, Delaware?

You can switch plans by calling Medicare directly. Call during the Open Enrollment Period at the end of the year to change.

How common are the Medicare part B excess charges in Newark, Delaware?

About 96% of all doctors agree to the Medicare-approved prices. It is rare to incur extra Part B charges.

How To Sign Up for Supplemental Medicare in Newark

Newark, Delaware, Medicare beneficiaries have many options to cover the gaps in their health care coverage. The easiest way to accomplish this is to sign up for Supplemental Medicare plans.

Our licensed insurance agents work with all major carriers at no extra cost to you. This includes any information you need about the Medicare field.

So call us today to talk to an agent. Or just fill out our online rate form to be connected with the best rates in Newark, Delaware.

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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.