Delaware Medicare PlansInformation about Cost Comparisons and Insurance Quotes

There are essentially four different types of Delaware Medicare Plans: Original Medicare (Parts A and B), Supplemental or Medigap Insurance, Medicare Advantage (Part C), and Prescription Drug Coverage (Part D). Here we will provide you with an overview of each of these types of Medicare Plans available to seniors in Delaware, but for more detailed information about particular plan costs, quotes or coverage visit our pages that specially address these topics.

In Delaware and the entire United States, original Medicare is divided into two separate and distinct parts: hospital insurance (known as Part A) and medical insurance (known as Part B). These two Original Medicare parts are significantly different in benefits, deductibles and coinsurance payments. There are typically no costs or monthly premiums for Medicare Part A coverage if you or your spouse paid Medicare taxes while working. For Medicare Part B, most people pay a standard monthly premium that may change from year to year and can be adjusted based on your income. There is no way to get quote for Medicare insurance parts A and B as they are managed by the Federal Government.

Medicare supplemental insurance plans also known as Medigap is health insurance sold by private insurance companies to fill the "gaps" in Part A and Part B coverage. It also helps to cover co-insurance, co-payments and deductibles. Depending on when you enroll, in Delaware you may be able to choose 10 to 12 different standardized Medicare Supplement policies (Medicare Supplement Plans A through N). In Delaware there are many different health insurance companies who are authorized to sell these types of Medicare supplemental policies. For more information or to request a quote to compare costs visit the Medicare (Medigap) Supplemental Insurance in Delaware page.

In Delaware seniors can also enroll in Medicare Advantage Plans also known as Medicare Part C. Part C offers health coverage by private companies that are approved by Medicare. Health plan options include: Preferred Provider Organizations (PPO), Health Management Organizations (HMO), and Private Fee-for-Service. Medicare Part C still provides beneficiaries with services covered by both Part A and Part B. Medicare Advantage Plans in Delaware may offer additional benefits dependent upon the private company providing the coverage. In addition the plans available differ by county. To compare plans, costs, and get quotes for coverage visit the Medicare Advantage Plans in Delaware page.

Medicare Part D is a stand-alone Prescription Drug Plan offered by insurers and private companies to seniors in Delaware who are eligible for Original Medicare. One of the goals of Part D coverage is to provide beneficiaries with lower prescription drug costs. The medications covered by each plan may vary as well. Part D may be added to the Original Medicare Plan (Part A and Part B). Most Medicare Advantage Plans already have Part D coverage. If not, Part D may be added to Part C coverage. For more information about Medicare Part D Plans in Delaware visit the prescription drug plans page.