Best Medicare Supplement Plans in Delaware
Medicare Supplement plans work alongside Original Medicare (Medicare Part A and Medicare Part B) for additional expense coverage. There are ten Medigap plans available in Delaware.
- Of the ten plans offered in 2024, we found that Mutual of Omaha has the best Plan G rate in Delaware at $140 monthly for the most comprehensive coverage.
- Aetna offers the best Plan N rates at $103 per month for those that want the best value without compromising coverage.
- Mutual of Omaha's High Deductible Plan G offers the best option for those wanting the lowest possible monthly premium at $38 monthly. An annual deductible of $2,700 must be met before this plan will cover costs.
Below are some highlights and features of Delaware's most popular plans.
Mutual of Omaha Medicare Supplement Plan G
- When considering the various Medigap plans available, Mutual of Omaha Plan G should be at the top of any beneficiary's list. It is a fantastic option that covers many out-of-pocket expenses not offered by some other plans. The sole drawback to this plan is you must pay your Part B deductible - something all beneficiaries need to factor into their decision making process.
With Plan G, you'll be able to take advantage of many perks, such as:
- Coverage for Part B excess fees, the Medicare Part A deductible and all coinsurance costs associated with Part B.
- No required referrals.
- Access to any medical provider who accepts Original Medicare.
Monthly Plan Cost: $140
*Prices based off a 65 year old non smoking female in zip code area 19701 Delaware.
Aetna Medicare Supplement Plan N
- If you're looking for a more economical option than Medicare Plan F or G, look no further: Aetna Medicare Plan N is a great choice. With it's lower premiums, it's an unbeatable way to save money while still receiving quality coverage.
With Plan N, you can enjoy multiple benefits, including but not limited to:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out Of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $103
*Prices based off a 65 year old non smoking female in zip code area 19701 Delaware.
Mutual Of Omaha High Deductible Medigap Plan G
- Once a deductible of $2,700 is met, Mutual Of Omaha High Deductible Plan G offers the same coverage as traditional Medicare Supplement Plan G. It's a great money-saving option since it comes at a much lower cost than standard Plan G.
Monthly Plan Cost: $38
*Prices based off a 65 year old non smoking female in zip code area 19701 Delaware.
Mutual of Omaha Medicare Supplement Plan F
- Mutual of Omaha Medicare Plan F provides unparalleled coverage, encompassing the Part A deductible and Medicare Part B deductibles as well as all coinsurance payments.
- To be eligible for the program, beneficiaries must have been enrolled in Original Medicare prior to January 1, 2020.
Monthly Plan Cost: $153
*Prices based off a 65 year old non smoking female in zip code area 19701 Delaware.
What's the Best Medicare Supplement Company in Delaware?
Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in Delaware.
While Mutual of Omaha Medigap plans tend to be more affordable in Delaware, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in Delaware, including sample premiums, ratings, and market share:
Cigna
Market share: 0.82%
Plan G cost: $149
Plan N cost: $105
Financial strength: A
Mutual of Omaha
Market share: 2.05%
Plan G cost: $140
Plan N cost: $104
Financial strength: A+
Aetna
Market share: 6.32%
Plan G cost: $142
Plan N cost: $103
Financial strength: A
United Healthcare
Market share: 63.79%
Plan G cost: $125
Plan N cost: $103
Financial strength: A
How Much Does a Medigap Plan Cost in Delaware?
The best price for Medicare Supplement Plan G in Delaware is $140 per month with Mutual of Omaha.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$153
$140
$103
$38
$128
$50
Plan Popularity in Delaware
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Delaware for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
The ideal time to apply for a Delaware Medicare Supplement plan is during your six-month Medigap Open Enrollment Period.
Open enrollment starts the first month that:
- You're 65 or older and
- Enrolled in Medicare Part B
Open enrollment is the preferred time because you have guaranteed issue rights. During open enrollment, the insurance company can't:
- Refuse to sell you a policy
- Charge you more because of your health condition
- Exclude pre-existing conditions (although they can make you wait up to six months before covering)
Under Age 65
Several states offer Medigap plans if you are under 65 and qualify for Medicare due to a disability or ESRD (end-stage renal disease). In that case, your Medigap Open Enrollment Period is six months, starting from the month you first receive Medicare benefits. As a result, rates for these beneficiaries are higher than those 65 or older.
Special Enrollment
If you apply for a Medigap policy outside of Open Enrollment, the insurance company can require underwriting, charge you more, or deny coverage altogether.
There are, however, some situations outside of open enrollment where you have guaranteed issue rights:
- You have Medicare Advantage, and your plan leaves the area or terminates its contract with Medicare
- You move out of the service area of your Medicare Advantage or Medicare Supplement plan
- You lose coverage through an employer
- You join Medicare Advantage when you're first eligible for Medicare and return to Original Medicare within one year.
- You drop your Medigap insurance to join Medicare Advantage and leave Medicare Advantage within 12 months.
- Your Medigap coverage ends through no fault of your own
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Plans range in price from $38 to $250 per month, varying rates based on coverage benefits, age, gender, and the plan you choose.
Medicare Supplement Plan G is often the best plan for seniors in Delaware. It provides comprehensive coverage for out-of-pocket medical expenses that Medicare doesn't cover, such as copayments, coinsurance, and deductibles.
Delaware's average Plan G cost is $140 - $160 a month. This rate can vary based on age, gender, zip code, and the insurance provider.
You can change Medigap plans anytime, but be aware that you'll likely be subject to underwriting unless you qualify for guaranteed issue rights.
Coverage is not guaranteed if you apply for a Medigap policy outside the Open Enrollment Period and don't qualify for special enrollment. The Medicare insurance company can require underwriting. The insurance carrier can deny coverage if you don't pass the underwriting.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
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Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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