With over 62 million Medicare beneficiaries in the United States, supplemental Medicare plans are more important now than ever. Medicare plans help Wilmington, Delaware Medicare beneficiaries receive the care they need in their later years.

Let’s look at some of the supplemental plans available for the area.

Wilmington, Delaware Supplemental Medicare Plans

Medicare plans don’t cover all healthcare costs, so Medigap plans help supplement that coverage. We based the quotes below on a 65-year-old female living in Wilmington, Delaware.

Average Medicare Advantage Plans in Wilmington, Delaware

Healthcare in Wilmington, Delaware sometimes incurs extra charges that Medicare doesn’t cover. Medigap plans help cover those additional charges. There are 19 such plans available to Wilmington, Delaware, Medicare beneficiaries.

Aetna plans are some of the most popular in the nation. The plan offered in this area has a $0 premium and a maximum out-of-pocket (MOOP) cost of $7,550. Medicare gives this HMO plan a four-star performance rating.

Cigna is another popular provider with a plan in the area. This plan has a $0 monthly premium and a MOOP of $6,900. This plan is also an HMO but has a lower rating of three stars.

Humana has a plan with a much lower MOOP of $4,900. This supplemental plan is also an HMO with a monthly premium of $0. Medicare has given this plan four stars for past performance.

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

Cheapest Medicare Supplement Plans in Wilmington

Some Medigap supplemental plans cover treatment charges that Medicare doesn’t cover. These Medigap plans have the same national benefits, but their rates change by region.

Plan A offers some of the lowest premiums but has bare-bones coverage. It only covers Part A Medicare costs and some Part B expenses. The monthly premiums for this plan range from $89.85 to $323.19.

Plan G has higher premiums but offers much more coverage. It covers everything except Part B deductibles. The monthly premiums for this plan range from $122.13 to $363.75.

Plan K has very low monthly premiums. It covers the same thing as Plan G except for excess Part B charges, though it only pays for half of the expenses. The premiums for this plan are between $49.69 and $125.12.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $89.85 $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 Wilmington, Delaware

Part D plans help cover prescription drugs that Medicare and Medigap plans don’t cover. These plans are separate from other supplemental plans.

UnitedHealthcare has a plan with a very low deductible of $310. However, the low deductible offsets the high premium of $29.30. Medicare gives this Part D plan a four-star rating.

Wellcare is one of the most popular providers in the nation and has a plan in the area. This plan has a deductible of $480 and a lower three-star rating. The monthly premium for this plan is $12.90.

Aetna offers the cheapest plan in the area. The monthly deductible is still $480 and has a three-star Medicare rating. However, the monthly premium is $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 Wilmington

Special Needs Plans are separate plans available to those with special needs or chronic conditions. These plans aren’t available in all areas but are open to Wilmington, Delaware, Medicare beneficiaries.

Cigna offers two plans in the area. Both are HMO plans with a MOOP of $7,550. Both are also dual-eligible, meaning anyone who simultaneously qualifies for Medicare and Medicaid can enroll. One plan has a $0 monthly premium, while the other has a $31 monthly premium.

UnitedHealthcare offers another plan in the area. This plan has a MOOP of $7,550. It is an HMO plan, is dual-eligible, and has a $0 monthly premium.

Humana also offers an SNP in the area. This plan is an HMO, has a $0 monthly premium, and is a dual-eligible plan. However, this plan has a much lower MOOP of $3,450.

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

How much does a Medigap policy cost in Wilmington, Delaware?

Medigap supplement plans have different costs. The cheapest plan in the area is Plan HDG, with premiums starting at $28 monthly.

The next most affordable plan is Plan K, a cost-sharing plan. It has monthly premiums starting at $49.69.

Is Plan G available in Wilmington, Delaware?

Plan G is available to Wilmington, Delaware, Medicare beneficiaries. This plan also has a high-deductible version with cheaper premiums, but the deductible is $2,490.

Can I change my Medigap policy at any time in Wilmington, Delaware?

Changing Medigap policies is difficult if you don’t have an insurance agent. However, you can change your policy at any time.

If you don’t change the plan during your Open Enrollment Period, you may have to answer some medical questions.

What is the least expensive Medicare supplement plan in Wilmington, Delaware?

Plan K offers a very cheap monthly premium but requires you to share treatment costs. Another plan, Plan HDG, has slightly higher premiums but covers nearly all treatment costs.

Plan HDF has the lowest monthly premiums but is only available to those eligible for Medicare before 2020.

Are Medigap premiums based on income in Wilmington, Delaware?

Wages do not determine your Medigap premiums like with Medicare. The only factor that affects your Medigap premiums is your age. As you age, your premium might go up.

How To Sign Up for Supplemental Medicare in Wilmington

Our insurance experts are here to help Wilmington, Delaware, Medicare beneficiaries.

We work with all insurance carriers at no charge and compare all rates to find the best plan for you and your budget.

Fill out our form or call us for our help.

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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.