LifeShield National has Delaware's lowest rates: $125 monthly for Plan N, $161 monthly for Plan G and $194 monthly for Plan F. Your premium shifts with current age, plan letter selection and insurer pricing method.
Best Medicare Supplement Plans in Delaware (2026)
Updated: February 2, 2026
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Key Takeaways
LifeShield National offers Delaware's cheapest Plan G and Plan N rates. LifeShield National has the lowest Plan F rates.
Medicare Supplement plans in Delaware cost $32 to $402 monthly, depending on your plan choice.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Delaware
| Blue Cross Blue Shield | A | $116 | $87 | Attained Age Pricing |
| Blue Cross Blue Shield | B | $136 | $86 | Attained Age Pricing |
| Blue Cross Blue Shield | C | $198 | $70 | Attained Age Pricing |
| Blue Cross Blue Shield | D | $151 | $20 | Attained Age Pricing |
| LifeShield National | F | $194 | $120 | Attained Age Pricing |
| LifeShield National | G | $161 | $85 | Attained Age Pricing |
| Transamerica | K | $77 | $23 | Issue Age Pricing |
| Transamerica | L | $114 | $46 | Issue Age Pricing |
| Transamerica | M | $140 | $0 | Issue Age Pricing |
| LifeShield National | N | $125 | $65 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Plan G Rate
$161Plan Types
A, F, G, N
Blue Cross Blue Shield
MoneyGeek Rating
4.1/ 5
4.9/5Affordability
3.7/5Pricing Style
2.9/5Plan Availability
Average Plan G Rate
$163Plan Types
A, B, C, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$162Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Delaware
Plan G is Delaware's most popular Medicare Supplement. It covers all out-of-pocket costs except the Part B deductible. LifeShield National has Delaware's cheapest Plan G at $161 monthly. You save $85 below Delaware's average. Transamerica and State Farm charge $162 and $163 monthly.
| LifeShield National | $161 | $85 | $1,932 | $1,014 |
| Transamerica | $162 | $84 | $1,944 | $1,002 |
| State Farm | $163 | $83 | $1,956 | $990 |
| Blue Cross Blue Shield | $163 | $83 | $1,956 | $990 |
| Nassau | $170 | $76 | $2,040 | $906 |
| USAA | $176 | $70 | $2,112 | $834 |
| American Benefit | $176 | $70 | $2,112 | $834 |
Best Medicare Supplement Plan F in Delaware
LifeShield National's Plan F costs $194 monthly. AFLAC charges $195 monthly. Nassau charges $198 monthly. You save $116 to $120 monthly compared to the $314 state average.
Only Medicare beneficiaries who enrolled before Jan. 1, 2020 can purchase Plan F. Plan F covers all Medicare out-of-pocket costs including both Part A and Part B deductibles.
| LifeShield National | $194 | $120 | $2,328 | $1,439 |
| AFLAC | $195 | $119 | $2,340 | $1,427 |
| Nassau | $198 | $116 | $2,376 | $1,391 |
| Transamerica | $200 | $114 | $2,400 | $1,367 |
| Blue Cross Blue Shield | $201 | $113 | $2,406 | $1,361 |
| Mutual of Omaha | $205 | $109 | $2,460 | $1,307 |
| American Benefit | $215 | $99 | $2,580 | $1,187 |
Best Medicare Supplement Plan N in Delaware
Delaware seniors seeking budget-friendly coverage with manageable copays find strong value in Plan N. LifeShield National has the cheapest Plan N rates in the state at just $125 monthly, saving you $65 below Delaware's average or $780 annually. State Farm and Nassau provide competitive alternatives at $126 and $127 per month. You'll pay small copays at doctor visits and emergency rooms in exchange for premiums significantly lower than Plans F and G, with annual savings spanning $696 to $780 depending on your provider choice.
| LifeShield National | $125 | $65 | $1,500 | $780 |
| State Farm | $126 | $64 | $1,512 | $768 |
| Nassau | $127 | $63 | $1,524 | $756 |
| American Benefit | $129 | $61 | $1,548 | $732 |
| Aetna | $130 | $60 | $1,560 | $720 |
| Blue Cross Blue Shield | $131 | $59 | $1,572 | $708 |
| Transamerica | $132 | $58 | $1,584 | $696 |
Personalized Delaware Medicare Supplement Plan Recommendations
Use the filters below to match your age with available plan types. Delaware insurers show different rates across age groups and coverage levels.
Data filtered by:
A
Select
No
| Blue Cross Blue Shield | A | No | 65 | $116 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $127 | $0 | Issue Age Pricing |
| Globe Life | A | No | 65 | $132 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $138 | $0 | Attained Age Pricing |
| Humana | A | No | 65 | $142 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $149 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $153 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $155 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $160 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $164 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Delaware
Delaware Medicare Supplement insurance costs average $201 monthly for 65-year-olds. Prices range from $100 to $314 across plan types. Plan K costs the least. Plan F costs the most.
Three popular plans average:
- Plan G: $246 monthly ($2,952 annually)
- Plan F: $314 monthly ($3,768 annually)
- Plan N: $190 monthly ($2,280 annually)
Your rate shifts with insurer choice, enrollment age and pricing method: attained age, issue age or community-rated.
| A | $203 | $2,436 |
| B | $221 | $2,652 |
| C | $268 | $3,216 |
| D | $171 | $2,052 |
| F | $314 | $3,768 |
| G | $246 | $2,952 |
| K | $100 | $1,200 |
| L | $160 | $1,920 |
| M | $140 | $1,680 |
| N | $190 | $2,280 |
How to Choose the Best Medicare Supplement Plan
After deciding which plan letter works for your situation, evaluate Delaware insurers using these criteria.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Delaware Medicare Resources
Delaware residents can get free help selecting Medicare coverage and understanding their options.
- Delaware Medicare Assistance Bureau (DMAB): Formerly ELDERinfo, DMAB operates as Delaware's SHIP program within the Department of Insurance. Trained volunteer counselors schedule free sessions at convenient locations statewide. Call (800) 336-9500 or (302) 674-7364. Senate Bill 42 requires insurers offering Medigap to adults 65+ to extend identical policies to under-65 Medicare recipients with disabilities, granting six months to enroll from benefit start.
- Delaware Department of Insurance - Consumer Services Division: Submit complaints by fax, email, mail or phone after contacting insurers directly. Delaware residents call (800) 282-8611, others call (302) 674-7310. Email consumer@delaware.gov. Mail complaints to Wilmington mailing address shown on the website. The division obtains information from insurers on consumers' behalf.
- Division of Services for Aging and Adults with Physical Disabilities (DSAAPD): Operates the Delaware Aging and Disability Resource Center (ADRC) as a one-stop access point. ADRC staff answer questions Monday through Friday, 8 a.m. to 4:30 p.m., providing information regardless of income. Services include options counseling and enrollment support delivered in homes, hospitals and facilities.
- Medicare.gov: Compare Medigap plans and check coverage details using the Plan Finder tool. Starting January 2026, Delaware's birthday rule lets Medigap enrollees switch to plans with equal or lesser benefits without medical underwriting during a 60-day window (30 days before through 30 days after each birthday).
Medicare Supplement Plans in Delaware: FAQ
Common questions about Medicare Supplement insurance for Delaware residents answered below.
When is Medicare Supplement open enrollment in Delaware?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Delaware Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Delaware Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.