With over 62 million Medicare beneficiaries in the United States, supplemental Medicare plans are more critical now than ever. Medicare plans help Medicare beneficiaries residing in Wilmington, Delaware receive the care they need in their later years.
Let’s look at some of the supplemental plans available for the area.
Medicare plans in Wilmington, Delaware
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.
Medicare Advantage plans
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 program 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, and This supplemental plan is also an HMO with a monthly premium of $0. Medicare has given this plan four stars for past performance.
The average cost of Medicare Advantage plans in Wilmington, Delaware
| 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 |
Medicare Supplement plans
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.
The average cost of Medicare Supplement plans in Wilmington, Delaware
| 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 |
Medicare Part D prescription drug plans
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.
The average cost of Medicare Part D plans in Wilmington, 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
Special Needs Plans are separate plans for 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 dual-eligible, meaning anyone who qualifies for Medicare and Medicaid can enroll. One program 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’s a dual-eligible HMO plan with a $0 monthly premium.
Humana also offers an SNP in the area. This plan is a dual-eligible HMO with a $0 monthly premium. However, this plan has a much lower MOOP of $3,450.
The average cost of Medicare Special Needs plans in Wilmington, Delaware
| 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 |
How to sign up for Medicare plans 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.
Please fill out our form or call us for our help.
