The Best Delaware Medicare Supplement Plans (2022)

Medicare Supplement plans (also known as Medigap) are insurance plans sold by private companies to fill in the “gaps” in Original Medicare. In Delaware, there are 10 types of Medigap plans available for purchase, with Aetna standing as the best provider for Plans F and N, while UnitedHealthcare offers the best Plan G. However, note that Medicare Advantage Plans in Delaware replace your entire Medicare plan, including Original Medicare. This means you cannot purchase both a Medigap and Medicare Advantage Plan at the same time.

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Last Updated: 9/14/2022
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The cost of a Medicare Supplement plan can vary based on numerous factors, one being your age. For a 65-year-old, Medigap plans in Delaware cost an average of $121 per month and an average of $186 per month for 75-year-olds.

Costs can also depend on your chosen plan. Thanks to their comprehensive coverage, the most popular plans are Plan F, which costs an average of $195.97 per month, and Plan G, which costs an average of $120.90 per month. However, Plan F is no longer available for those who became eligible for Medicare after 2020.

For those who qualified for Medicare after 2020, Plan N is the most popular choice, costing a monthly average of $115.80.

MoneyGeek’s methodology focused on the average premiums and benefits that Plans F, G and N provided to find the best Medicare Supplement plan providers in Delaware. Review how to pick the best Medicare Supplement plan if you’d like to learn more about the different types of plans and their coverage.

MoneyGeek’s methodology for comparing Medicare Supplement plans in Delaware focused on the average premiums and benefits of these three plans to determine the best options.

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Best Medicare Supplement Plans in Delaware

Best Medicare Supplement Plan G in Delaware

Plan G is one of the most comprehensive plans available for new enrollees, making it a popular choice. Based on MoneyGeek’s analysis, UnitedHealthcare offers the best Medigap Plan G in Delaware, costing an average of $138.16 per month.

However, note that MoneyGeek’s methodology only included providers who offered quotes online. This means that there may be cheaper or better options for you amongst local providers in Delaware who need to be contacted via phone or email.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 81.25 out of 100
  • Average Monthly Rate: $138.16

UnitedHealthcare offers Medigap Plan G at a monthly average of $138.16 — $6.94 less than the state average. The company also offers an impressive range of additional benefits for policyholders, including dental, vision and hearing discounts, a 24/7 nurse line, a free membership to a local gym and foreign travel emergency coverage.

Membership to a local gym is not a benefit often found amongst other providers, while foreign travel emergency coverage can provide protection against emergency medical situations while overseas.

MORE ABOUT PLAN G IN DELAWARE

Navigate to learn more about Medigap Plan G in Delaware, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Delaware

Medigap Plan G costs an average of $145.10 per month in Delaware, but actual rates can vary based on the provider. Case in point, Humana has the cheapest Plan G in the state, costing an average of $105.10 per month, while State Farm has the most costly offer at an average of $158.10.

Note that aside from the provider, costs can also depend on your age when you initially purchased a plan, your current age, discounts that you qualify for and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Humana
    $105
  • Aetna
    $106
  • Highmark
    $128
  • UnitedHealthcare
    $138
  • State Farm
    $158

Providers Offering Plan G in Delaware

There are 30 providers of Medigap Plan G in Delaware, but only five offer quotes online. This can make your search difficult. However, in order to save you a few steps to find the best provider for you, MoneyGeek laid out the contact information of each Plan G provider in Delaware below, along with their pricing plan.

Providers Offering Plan G in Delaware

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age

What Does Plan G Cover?

Plan G and all other Medigap plans are standardized across providers and must include certain benefits. While Plan G is comprehensive, covering hospital costs, skilled nursing facility care and more, it does not cover Part B deductibles.

Certain companies may also choose to offer additional features. For instance, despite not being the most affordable provider in the state, UnitedHealthcare’s gym membership and dental, vision and hearing discounts can entice policyholders who can leverage these features.

Required Benefits of Plan G in Delaware
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Delaware

Among Medicare Supplement plans in Delaware, Plan F is the most comprehensive. The best provider for Plan F in the state is Aetna, charging an average rate of $170.74 per month. Keep in mind that MoneyGeek only ranked providers who offered quotes online, which means you may find cheaper or better providers among those who need to be contacted directly for a quote.

It is also worth noting that Plan F is no longer available for individuals who became eligible for Medicare after January 1, 2020.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $170.74

For Plan F, Aetna charges an average monthly rate of $170.74, which is $25.26 less than the state’s average cost of $196 for the same plan. The company also offers a foreign travel emergency benefit, which can help cover the costs of emergency care during your travels.

MORE ABOUT PLAN F IN DELAWARE

Navigate to learn more about Medigap Plan F in Delaware, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Delaware

The average cost of Medigap Plan F in Delaware is $196 per month, but actual costs can vary based on a number of factors, such as your chosen provider and their pricing plan, your age, your discounts and any medical underwriting factors.

For 75-year-olds in Delaware, however, the most affordable provider is Aetna, at an average of $170.70 per month. Conversely, UnitedHealthcare has the most expensive Plan F policy at an average of $302 per month. This is a whopping difference of $131.30, which goes to show that comparing Medicare Supplement plans in Delaware can save you a lot of money in the long term.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $171

Providers Offering Plan F in Delaware

There are 29 Medigap Plan F providers in Delaware, but not all of them offer quotes online. This can make the search difficult, as you’ll have to call or email other providers to properly compare quotes.

To help you save time and find a provider that suits your needs, MoneyGeek collected the contact and pricing information of Medicare Supplement Plan F providers in Delaware and presented them below.

Providers Offering Plan F in Delaware

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Americo
    888-220-7074
    Attained Age

What Does Plan F Cover?

Across all providers, Medigap Plan F offers the same basic benefits, as is required of any Medicare Supplement plan in Delaware and elsewhere. Generally, Plan F is one of the most comprehensive plans, offering Part A and B coinsurance, Part A and B deductibles, Part B excess charges and more. On top of this, certain providers offer additional benefits, such as Aetna’s foreign travel emergency coverage.

Required Benefits of Plan F in Delaware
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Delaware

The best Plan N provider in Delaware is also Aetna, with rates averaging $104.12 per month. Note that MoneyGeek’s rankings for Plan N only included providers who offer quotes online. This means that there may be more Medicare Supplement plan providers in Delaware who offer cheaper premiums but need to be contacted by phone or in person.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $104.12

Aetna’s Plan N costs an average of $104.12 per month. Compared to the state average of $146.40 per month for the same plan, Aetna’s premium is $42.28 less. They also offer a foreign travel emergency benefit to all policyholders, which can help pay for any medical or dental emergency expenses you incur while on vacation.

MORE ABOUT PLAN N IN DELAWARE

Navigate to learn more about Medigap Plan N in Delaware, including how much it costs on average, which providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Delaware

Delaware residents pay an average of $146.40 per month for Medigap Plan N. However, costs can still change depending on the provider. For instance, Aetna has the cheapest average premium for Plan N in Delaware at $104.12 per month, while Humana has the most expensive at an average of $130.30 per month.

Keep in mind that there are also other factors that can affect the cost of your Medicare Supplement plan. This includes your age when you first purchased it, your current age, your discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $104
  • Highmark
    $109
  • UnitedHealthcare
    $114
  • State Farm
    $122
  • Humana
    $130

Providers Offering Plan N in Delaware

If you are interested in purchasing a Medigap Plan N policy in Delaware, you can choose from the 29 providers in the state. However, note that only five of them provide quotes for Plan N online.

To get quotes from the other 24 providers, you may have to contact them via phone. In order to help you find a provider that fits your situation, MoneyGeek collected the contact information of all Plan N providers in Delaware. Review their contact details and pricing styles below.

Providers Offering Plan N in Delaware

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age
  • Everence
    (800) 348-7468
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age

What Does Plan N Cover?

In the same way that all Medigap policies are standardized, Plan N is required to provide a certain minimum of benefits, such as coinsurance and deductibles for Part A. However, it does not cover Part B deductibles or excess charges. Providers may include additional benefits at their discretion. Aetna, for example, offers additional foreign travel emergency coverage.

Required Benefits of Plan N in Delaware
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Delaware: Other Plan Types

There are plenty of other Medicare Supplement plans available for purchase in Delaware, including Plans A, B, C, D, K and L. These plans are less popular due to their less-than-comprehensive coverage but may suit those with specific needs.

Based on their affordability and coverage, MoneyGeek ranked the best Medigap providers in Delaware for these plans where online quotes were available. The only companies that provide quotes online include UnitedHealthcare, Humana, Highmark, State Farm and Aetna.

Note that if you qualified for Medicare after January 1, 2020, you will not be able to purchase Plan C in Delaware or elsewhere.

The Best Medicare Supplement in Delaware - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $99.73

  • B

    UnitedHealthcare

    $136.48

  • C

    Humana

    $255.62

  • D

    Highmark

    $117.95

  • F

    Aetna

    $170.74

  • G

    UnitedHealthcare

    $138.16

  • K

    UnitedHealthcare

    $58.40

  • L

    UnitedHealthcare

    $96.22

  • N

    Aetna

    $104.12

How to Find the Best Medicare Supplement Plans in Delaware

Given the wide range of available plans and their varying coverage, determining which Medigap plan is best for you can be challenging. To help you make an easier decision, MoneyGeek developed a comparison chart for you to compare Medicare Supplement plans in Delaware based on pricing data.

Delaware Medicare Supplement Plans Comparison Chart

Medicare Supplement plans all have varying levels of coverage and eligibility requirements. For instance, Plan F and Plan C have the most coverage but are no longer available for new enrollees. These were replaced for new users by Plan G and Plan D.

Review the chart below to compare Medigap plans in Delaware based on their coverage and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Delaware

The cost of Medigap plans in Delaware depends on the type of plan you get, along with your eligibility and other personal factors. Highmark is the most affordable for Plans A, B and D, Aetna is the cheapest for Plans F and N and Humana offers the cheapest Plans G and C.

Aside from this, the price of your Medigap plan can depend on the provider’s pricing style.

  • Issue-age: This means premiums are based on your age when you first purchased your plan. In Delaware, this is the most common pricing style among providers.
  • Community-rated: Providers who offer community-rated plans charge the same monthly premium to people of all ages.
Average Cost of Medicare Supplement in Delaware

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Highmark
    $93
  • UnitedHealthcare
    $100
  • Humana
    $130
  • Aetna
    $134
  • State Farm
    $143

FAQs About Medicare Supplement Plans in Delaware

To gain a better understanding of Medicare Supplement plans in Delaware, review the frequently asked questions below.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Delaware for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

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.