Currently, 154,848 residents are enrolled in a Delaware Medicare Part D plan. Of this number, 131,033 stand-alone Prescription Drug Plan enrollees exist. Additionally, there are 25,254 Medicare Advantage Prescription Drug Plan (MAPD) enrollees.
Delaware Medicare Part D plans for 2024
Delaware Medicare Part D plans are one of the four parts of Medicare. These stand-alone plans cover prescriptions patients pick up at their pharmacies. This guide will explore different Part D plans and carriers by premiums and deductible costs, as well as benefits and popularity.
Part D plans with the lowest premium in Delaware
Humana is the first plan we’re exploring, with a $22.70 monthly premium and a $480 deductible.
While this plan doesn’t have gap coverage, it does have a four-star rating. Most prescriptions cost between one to four dollars when using this plan.
Wellcare is another popular choice, and many generic prescriptions cost zero to six dollars using this plan. This three-star rated plan features a monthly premium of $12.90 and a $480 deductible.
For a lower deductible, Delaware residents can consider UnitedHealthcare. UnitedHealthcare’s deductible is $310, but it has a slightly higher monthly premium of $29.30. This plan has a four-star rating, meaning it contains excellent coverage.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $7.10 | $480 | 3 | No |
| Wellcare | $12.90 | $480 | 3 | No |
| Clear Spring | $17.20 | $480 | 2 | No |
| Humana | $22.70 | $480 | 4 | No |
| UnitedHealthcare | $29.30 | $310 | 4 | Yes |
Part D plans with a zero-dollar deductible in Delaware
For Delaware Medicare Part D plans, residents sometimes choose a plan with a zero-dollar deductible in exchange for higher monthly premiums. Wellcare’s zero-dollar deductible, for example, has a higher premium of $68.90.
Aetna features a monthly premium of $66.50 and a three-star rating. However, unlike some of the other plans, Aetna provides gap coverage.
UnitedHealthcare is another plan that provides gap coverage. Using this plan, expect to pay a $100.60 monthly premium.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $66.50 | $0 | 3 | Yes |
| Wellcare | $68.90 | $0 | 3 | No |
| UnitedHealthcare | $100.60 | $0 | 3 | Yes |
Part D plans with gap coverage in Delaware
The following Delaware Medicare Part D plans provide additional gap coverage. UnitedHealthcare’s plan has a monthly premium of $29.30 and a $310 deductible. This plan carries a four-star rating, providing nearly comprehensive coverage.
Cigna features a much lower deductible at $100. Patients can expect to pay between four and ten dollars for generic prescriptions using this plan, which also has a $58 monthly premium and a three-star rating.
The final plan we’re exploring is Aetna. Aetna features a monthly premium of $66.50, a three-star rating, and a zero-dollar deductible.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| UnitedHealthcare | $29.30 | $310 | 4 | Yes |
| Cigna | $58.00 | $100 | 3 | Yes |
| Aetna | $66.50 | $0 | 3 | Yes |
| UnitedHealthcare | $100.60 | $0 | 3 | Yes |
Part D plans with a low-income subsidy in Delaware
Around 31,553 beneficiaries are eligible for low-income subsidy Delaware Medicare Part D plans. This eligibility means they qualify for additional Medicare Part D assistance.
The first plan we’re exploring is Clear Spring. Clear Spring has a two-star plan with a monthly premium of $29.40 and a $480 deductible.
Wellcare offers a three-star plan with a monthly premium of $31.50. As mentioned before, generic prescriptions typically cost around zero to six dollars. In addition, this plan features a $480 deductible.
Lastly, we’ll explore Cigna. Like all the plans on this chart, Cigna’s features a $480. However, this plan has a monthly premium of $33.30.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Clear Spring | $29.40 | $480 | 2 | No |
| Aetna | $30.50 | $480 | 3 | No |
| Wellcare | $31.50 | $480 | 3 | No |
| Cigna | $33.30 | $480 | 3 | No |
| Elixir | $34.90 | $480 | 3 | No |
Amount of beneficiaries that fall into each Part D coverage phase in Delaware
Delaware Medicare Part D plans come in four different coverage phases, including a coverage gap or “donut hole.” During the donut hole phase, medication cost remains higher than in other Part D coverage phases.
The chart below features the number of beneficiaries in each coverage phase.
| Deductible Phase | Initial Coverage Phase | Coverage Gap Phase | Catastrophic Phase |
| 32,999 | 52,062 | 15,227 | 12,098 |
Cities in Delaware with estimated premiums for Medicare Supplement coverage
Delaware’s biggest areas have many people who could benefit from a Medigap plan. Here are some estimated premiums for Medigap coverage in the following cities:
FAQs
How do I choose a Part D plan in Delaware?
Many Delaware residents make the mistake of choosing a Part D plan based on the lowest monthly premium. While premium amounts should remain a factor, you should prioritize the type of medications you use and how often you need prescriptions.
What is the most popular Medicare Part D plan in Delaware?
Many Part D Medicare plans exist in Delaware. However, some of the most popular programs come from Aetna, Cigna, UnitedHealthcare, and Humana. These plans carry A or A- ratings and have high star ratings, per NCQA.
Is Part D deducted from Social Security in Delaware?
Part B premiums get automatically subtracted from your Social Security check. While many residents don’t pay Part A premiums, they might also get automatically deducted when they do.
Delaware residents can have their premiums deducted directly from their monthly Social Security benefits for Part C and part D premiums.
Can you add Medicare Part D at any time in Delaware?
Delaware residents can only add a Medicare Part D plan during the Initial or Open Enrollment Period. This rule applies to switching Medicare Part D plans, except under specific circumstances.
For example, if you move to a new address where your current plan doesn’t exist, you get a Special Enrollment Period and can make changes to your Medicare coverage.
Can I cancel my Part D plan anytime in Delaware?
You must wait until the Annual Enrollment Period (October 15 to December 7) to cancel your Part D plan. After that, you must contact your service provider to let them know you want to drop out. If you decide to re-enroll, expect to pay late penalties.
How to get help signing up for a Medicare Part D plan in Delaware
Even if you currently don’t have any medication needs, enrolling in a Part D plan helps to offset future expenses. However, since so many plans exist, finding the right one is challenging for many residents.
By working with our team, you can gain peace of mind knowing that you’ll obtain the right plan suitable for your needs and budget. Our team works with all carriers to match you with the perfect plan; the agents’ time is free.
Please fill out our online rate form today to get rates, or give us a call to enroll in a Delaware Medicare Part D plan!
