Medicare helps give its 62 million US beneficiaries care and treatment in their later years. We’ll look at the options available for Smyrna, Delaware, and Medicare beneficiaries to help them save money.
Medicare plans in Smyrna, Delaware
Because Part A and B Medicare plans don’t cover all healthcare costs, supplemental plans help cover the difference. We based the following quotes on a 70-year-old male living in Smyrna, Delaware.
Medicare Advantage plans
Medigap plans cover extra charges that your Medicare plans may not cover. Here are some 17 plans available for Smyrna, Delaware, Medicare beneficiaries.
Cigna offers a plan in the area that is an HMO plan and has a $0 monthly premium. This plan’s maximum out-of-pocket (MOOP) cost is $6,900. Medicare gave this plan a three-star rating for previous performance.
Humana also offers a plan in the area with a $0 monthly premium. This Local PPO plan has a four-star performance rating. The MOOP for this plan is $6,700.
UnitedHealthcare offers the cheapest plan in the area. While it has a $0 premium like other plans, the MOOP is much lower at $5,900. This Local PPO plan has a four-star performance rating.
The average cost of Medicare Advantage plans in Smyrna, Delaware
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATING |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 4 |
| Highmark | $0 | $7,550 | LOCAL PPO | N/A |
| Aetna | $0 | $7,550 | LOCAL PPO | 4 |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
| Cigna | $0 | $6,900 | HMO | 3 |
Medicare Supplement plans
When Medicare in Smyrna, Delaware, doesn’t cover treatment charges, a Medigap supplemental plan helps take care of it for you. All Medigap plans have the same benefits, but their premiums vary nationwide.
Plan G is one of the most popular plans but has some of the highest premiums. It covers everything but the Part B deductible. In Smyrna, Delaware, the premiums for this plan range from $140.28 to $410.12.
Plan HDG is like Plan G, except for a much higher deductible. The deductible for this plan is $2,490. The monthly premiums are lower because it has a higher deductible, ranging from $41 to $93.29.
Plan K is a very cost-effective plan. It covers the same expenses as Plan G except for Part B excess charges and only pays for half of the covered costs. The premiums for this plan are between $62.15 and $141.62.
The average cost of Medicare Supplement plans in Smyrna, Delaware
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $112.06 | $438.68 |
| PLAN B | $153.94 | $377.31 |
| PLAN C | $188.11 | $423.62 |
| PLAN D | $163.35 | $319.00 |
| PLAN F | $179.85 | $500.61 |
| PLAN HDF | $41.00 | $108.70 |
| PLAN G | $140.28 | $410.12 |
| PLAN HDG | $41.00 | $93.29 |
| PLAN K | $62.15 | $141.62 |
| PLAN L | $100.08 | $300.10 |
| PLAN M | $171.08 | $333.19 |
| PLAN N | $115.10 | $314.62 |
Medicare Part D prescription drug plans
When Medicare or Medigap plans don’t cover prescription drugs, Part D plans do. Part D plans are different from Medicare or supplemental plans.
UnitedHealthcare offers a great plan in the area. It has a high monthly premium of $29.30, but the deductible is much lower at $310. Medicare gives this plan a four-star performance rating.
Wellcare’s plan is much cheaper and more popular across the US. It has a three-star performance rating and a deductible of $480. The monthly payment for this plan is $12.90.
Aetna’s plan is the cheapest in the area, with a monthly premium of $7.10. The deductible is the standard $480. This plan is great for seniors on a fixed budget who can’t usually pay for their medication.
The average cost of Medicare Part D plans in Smyrna, 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
Medicare Special Needs Plans are a distinct subset of typical Medicare Advantage plans. They help Smyrna, Delaware, Medicare beneficiaries with chronic or severe disabilities, though these plans aren’t available everywhere in the US.
Aetna offers a plan in the area with a $0 monthly premium. This SNP is dual-eligible. It has a maximum out-of-pocket cost (MOOP) of $7,550 and is an HMO plan. Anyone who simultaneously qualifies for Medicare and Medicaid qualifies.
Humana’s plan in the area has a much lower MOOP. Its MOOP is $3,450 and has a $0 monthly premium. This plan is another dual-eligible HMO.
UnitedHealthcare has some of the best plans in the nation. The plan it offers in the area has a $0 monthly premium and a MOOP of $7,550. This plan is an HMO that is dual-eligible for enrollment.
The average cost of Medicare Special Needs plans in Smyrna, Delaware
| PLAN | PREMIUM | MOOP | PLAN TYPE | ELIGIBILITY |
| Aetna | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Cigna | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
How To sign up for Medicare plans in Smyrna
We are here to help Smyrna, Delaware, Medicare beneficiaries sign up for supplemental coverage. We work with all carriers free of charge and compare budgets to find the right plan for you.
Fill out our form or call us to get started.
