by Russell Noga | Updated August 18th, 2023
Medigap plans help you pay for the out-of-pocket healthcare expenses not covered by Original Medicare Parts A & B. If you have an extended stay in the hospital, you could end up paying $400 to $800 a day for your inpatient care.
Medigap policies cover these additional expenses, ensuring you get the care you need without having to dip into your retirement savings to pay for it.
Medigap plans come in ten variations, with Plans F, G, & N being the most popular options. Average rates for Medigap plans are based on individuals, providers looking at their health, smoking rate, gender, and other variables.
This article looks at the best Medicare supplement plans Delaware has to offer. We’ll examine the average pricing on the lowest premiums from the top-rated providers in the Diamond State.
Use Us to Find the Best Medicare Supplement Plans Delaware
Our team offers you a free consultation on Medigap policies. We’ll help you find the right plan to cover your healthcare needs.
Our fully licensed agents will get you a free quote on any Medigap policy, with the best rates in the state.
Call 1-888-891-0229 now, or leave your details on our contact form, and we’ll have an agent call you back. If you already know the Medigap plan 2024 you want, use the automated quoting tool to get a price on your monthly premiums.
The Best Healthcare Insurers for Medicare Supplement Plans Delaware
You can buy a Medigap policy from any of the following private healthcare insurers in Delaware.
Prices range between providers, and our research shows the following companies are the best choices for your Medigap plan.
- Aetna
- Liberty Bankers
- AFSLIC
- Cigna
- Bankers Fidelity
- Colonial Penn
- elipsLife
- Globe Life
Humana gives you the lowest premiums for Plan G, and Aetna has the best deal on Plans F & G.
- Best Plan G – Humana
- Best Plan F – Aetna
- Best Plan N – Aetna
The Best Provider for Medicare Supplement Plan G Delaware – Humana
30 insurers offer Plan G in Delaware, with the market average rate being $145.10 per month.
You’ll get the best deal on premiums with Humana at $105.10 monthly, and the most expensive option is from State Farm, averaging $158.10 monthly.
Here are the average rates from the top insurers in the state for Plan G, based on a 65-year-old female nonsmoker.
- Humana: $105
- Aetna: $106
- Highmark: $128
- UnitedHealthcare: $138
- State Farm: $158
What Does Plan G Cover?
If you’re newly eligible for Medicare, Plan G offers you the best coverage and benefits for your out-of-pocket expenses associated with Parts A & B.
The only thing not covered is the Part B deductible of $226 in 2023.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
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The Best Provider for Medicare Supplement Plan F Delaware – Aetna
29 insurers offer Plan F in Delaware. The average monthly premium across all providers is $196.
Aetna has the most affordable policy at an average rate of $170.70 per month.
UnitedHealthcare is the most expensive insurer, with average monthly rates of $302. So, you can save $131.30 by going with Aetna over UHC for your policy.
Here are the average rates from the best insurers in the state, based on a 65-year-old nonsmoking female.
- Aetna: $171
- State Farm: $258
- UnitedHealthcare: $302
What Does Plan F Cover?
Plan F is the most popular Medigap policy due to its fully-comprehensive coverage of all out-of-pocket expenses associated with Medicare Parts A & B. You even get coverage for the Part B deductible.
However, this plan is only available for seniors eligible for Medicare before January 1, 2020.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan N Delaware – Aetna
24 insurers offer Plan N in Delaware, with the average monthly premium across all providers being $146.40.
Aetna is the least expensive option at $104.12 per month, and Humana is the most costly provider with average rates of $130.30 per month.
Here are the average rates from the top insurers, based on a 65-year-old female nonsmoker.
- Aetna: $104
- Highmark: $109
- UnitedHealthcare: $114
- State Farm: $122
- Humana: $130
What Does Plan N Cover?
Plan N gives you the coverage you need in a medical emergency. You get lower monthly premiums than Plans F & G, but you’ll make copayments at the doctor’s office ($20) and the emergency room ($50, waived if admitted).
It’s a popular choice with healthy seniors that rarely see the doctor.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover you for Part B excess charges. You must pay the excess if your doctor charges more than Medicare-approved rates.
Plan N also doesn’t cover the Part B deductible.
