How to Find the Best Delaware Medicare Advantage Plans

The best Medicare Advantage Plans in Delaware for you will depend on the benefits and coverages that you need. MoneyGeek analyzed the best plans in Delaware that are widely available and offer a large range of benefits. We found that the best PPO plan is the Aetna Medicare Value plan, while the Humana Gold Plus H6622-010 plan is the best HMO plan in Delaware.

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Last Updated: 9/23/2022
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MoneyGeek ranked the best Medicare Advantage Plans in Delaware that are widely available and rated highly by the Centers for Medicare & Medicaid Services (CMS) five-star quality rating system. We broke down the best plans for different needs, including those who need drug coverage and those who do not as well as those who want low out-of-pocket costs.

You can use our recommendations as a guideline, but it is important to find a plan based on your needs. We recommend you check that your preferred hospitals and providers are in-network before you purchase a plan.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Delaware.

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Best Medicare Advantage Plans in Delaware

Best Medicare Advantage Plan in Delaware - Overall

The type of coverage and benefits you need will determine the best Medicare Advantage Plan for you. If you want a PPO plan with a high star rating from the Centers for Medicare & Medicaid Services (CMS) that offers drug coverage and six core benefits, MoneyGeek found that Aetna Medicare Value plan offered by Aetna Medicare is the best option.

PPO plans offer good flexibility since they typically have a wider network of providers than HMO plans, and a referral is not required to see a specialist. However, PPO plans generally cost more than other plan types.

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Aetna Medicare

The Aetna Medicare Value plan by Aetna Medicare could be the right option for you if you are looking for the best option in Delaware. However, this may vary depending on your needs.

The key features of the Aetna Medicare Value plan include:

  • $0 premium
  • Drug coverage with $350 deductible
  • In-network max-out-of-pocket (MOOP) limit of $7,550
  • Overall CMS rating of 4.5 out of 5 stars

The Aetna Medicare Value plan has all the six common benefits, including Vision, Dental, Hearing, Fitness, Worldwide Emergency and Telehealth. It also offers Part D, the prescription drug benefit, and has a high CMS rating.

If you are a traveler, the inclusion of Worldwide Emergency benefits make this plan a good option.

Best HMO Medicare Advantage Plan in Delaware

When shopping for the best HMO Medicare Advantage Plan in Delaware, it is important to choose one based on your individual needs. In Delaware, the Humana Gold Plus H6622-010 plan from Humana is the best if you are looking for an HMO plan with drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS).

HMO plans are more affordable compared to other plan types. However, since you are limited to a provider network, you need to ensure that in-network providers are easily available to you. This type of plan also requires a referral to see a specialist, which makes it less flexible compared to PPO plans.

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Humana

The Humana Gold Plus H6622-010 plan by Humana is the best HMO plan in Delaware. However, this may vary depending on your specific needs.

The main features of the Humana Gold Plus H6622-010 plan are:

  • No premium
  • Drug coverage with no deductible
  • In-network max-out-of-pocket (MOOP) limit of $4,900
  • Overall CMS rating of 4.5 out of 5 stars

The Humana Gold Plus H6622-010 plan has a high rating from the CMS and offers all six common benefits, such as Vision, Dental, Hearing, Fitness, Worldwide Emergency and Telehealth. This plan also offers Medicare Part D, the prescription drug benefit.

Best Medicare Advantage Plan in Delaware Without Drug Coverage

If you are looking for the best Medicare Advantage Plans in Delaware, you may have more options if you do not need a plan that offers Part D, the prescription drug benefit.

MoneyGeek found that the Humana Gold Plus H6622-010 plan by Humana is the best option if you are looking for a Medicare Advantage plan with or without drug coverage. Humana Gold Plus H6622-010 offers six core benefits and is rated highly by the Centers for Medicare & Medicaid Services (CMS).

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Humana

For those in Delaware looking for a plan with or without drug coverage, the Humana Gold Plus H6622-010 plan is the best option.

This plan includes drug coverage and has the following main features:

  • No premium
  • Drug coverage with no deductible
  • In-network max-out-of-pocket (MOOP) limit of $4,900
  • Overall CMS rating of 4.5 out of 5 stars

The Humana Gold Plus H6622-010 plan benefits include Vision, Dental, Hearing, Fitness, Worldwide Emergency and Telehealth. This plan is also highly rated by the CMS.

Best Medicare Advantage Plan in Delaware for Low Max Out-of-Pocket Costs

In situations where you incur high medical expenses in a given year, your out-of-pocket costs can be quite costly even if your plan has a low premium or no premium. If you are looking for a Medicare Advantage plan that has a low in-network max-out-of-pocket (MOOP) limit, drug coverage, six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS), the AARP Medicare Advantage Choice PPO plan by UnitedHealthcare could be the best choice.

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AARP

A low MOOP will protect you from excessive out-of-pocket costs. MoneyGeek filtered out plans that have high MOOPs and found that AARP Medicare Advantage Choice PPO plan is the best option if you need a plan with or without drug coverage that has a low in-network MOOP.

This plan has the following main features:

  • No premium
  • Drug coverage
  • In-network max-out-of-pocket (MOOP) limit of $5,900
  • Overall CMS rating of 4 out of 5 stars

The AARP Medicare Advantage Choice plan covers you for any out-of-pocket costs above the $5,900 limit for in-network coverage. However, like other PPO plans, you will have a different out-of-network MOOP. For this plan, it is $10,000.

Medicare Advantage Plan in Delaware - Statistics

Delaware has six healthcare organizations that offer Medicare Advantage Plans. We compiled statistics on Medicare Advantage in Delaware to help you understand the common and uncommon plan benefits in the state.

1

Delaware Medicare Advantage Plans are a mix of HMO, PPO and MSA plans, with 71.7% offering drug coverage

The Medicare Advantage plans available in Delaware are Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) plans and Medical Savings Account (MSA) plans. The percentage of HMO plans is slightly higher at 45.3% compared to PPO plans at 43.4%. MSA plans make up 11.3% of plans in the state. Most plans in Delaware have drug coverage, with 71.7% of plans offering this benefit.

2

63% of Medicare Advantage Plans in Delaware have a $0 premium

63% of plans in Delaware have a $0 premium. Medicare plans that do charge a premium in Delaware have an average premium of $64.40.

3

Hearing, Vision, Fitness, Worldwide Emergency and Telehealth benefits are common in Delaware, and they are offered with most plans

Hearing, Vision, Fitness, Worldwide Emergency and Telehealth benefits are the most common benefits in Delaware. In-Home Support, Home Safety Devices & Modification and Transportation benefits are rare benefit offerings in Delaware.

Methodology

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Delaware were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Delaware based on county availability.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.