Delaware Medicare Plans and Delaware Health Insurance Plans

 UPDATED Nov. 25, 2024. There are many varieties of Delaware Medicare Plans for people aged 65 years and older, or for people with disabilities having Medicare.  There are also many Delaware Health Insurance Plans for people younger than 65.

Delaware Medicare Plans: Delaware Medicare Advantage Plans
Delaware Medicare Plans: Delaware Medicare Prescription Drug Plans
Delaware Medicare Plans: Delaware Medicare Supplement Plans
Delaware Short Term Insurance
Delaware Dental Insurance Plans
Delaware Supplemental Insurance
Additional Resources

Delaware Medicare Plans: Delaware Medicare Advantage Plans

As an alternative to using the Original Medicare, you may use the option to enroll in one of Delaware Medicare Advantage Plans. Private insurance companies offer these plans, and by law, they must cover all services covered by Original Medicare. Plans typically have a Medicare Prescription Drug Plan and extra services such as dental, hearing and vision services, wellness programs and gym membership.

There are several types of Medicare Advantage plans available, including HMO, PPO, PFFS, MSA and SNP. All these plan types are able to be obtained in Delaware. Below is the list of Delaware Medicare Advantage providers represented by Liberty Medicare:

• Aetna Medicare
• Amerihealth Caritas
• Cigna
• Highmark
• Humana
• UnitedHealthcare
• Wellcare

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Delaware Medicare Plans: Delaware Medicare Prescription Drug Plans

If you are covered by the Original Medicare, you would be wise to enroll in one of the stand-alone Delaware Medicare Prescription Drug Plans (PDPs). The enrollment is optional, but it is beneficial to register as soon as you got Medicare. By signing up later, you’ll be charged a penalty for delayed enrollment. PDP are run by private companies covering both generic and brand-name drugs. Most companies are well-known and conducting business across most of the United States.

Below is the list of Medicare Prescription Drug providers in Delaware represented by Liberty Medicare:

• Cigna
• Humana
• Silver Script / Aetna
• UnitedHealthcare
• WellCare

State Pharmaceutical Assistance Programs (SPAPs)

There are no State Pharmaceutical Assistance Programs in Delaware.

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Delaware Medicare Plans: Delaware Medicare Supplement Plans

Medicare Supplement Plans (Medigap Plans) provide protection against Original Medicare out-of-pocket costs, such as deductibles, copayments/coinsurances, and excess charges. Without Medigap plans your Medicare health costs could be excessively high. Plans are sold by private insurance companies licensed in Delaware.

Delaware Medicare Supplement Plans describe Delaware specific Medigap regulations and provide a Liberty Medicare list of  Delaware Medigap carriers.

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Delaware Short Term Health Insurance

Delaware Short Term Health Insurance provides health insurance for individuals and families in times of transition. Short Term Health Insurance covers the need for temporary medical coverage. It is an alternative to Qualified Health Plans whenever those plans are either unavailable (i.e., fall outside of Annual Enrollment Period) or unaffordable.

See Liberty Medicare list of Short Term Health Care Providers.

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Delaware Dental Insurance Plans

Dental Insurance in Delaware is available for people of all ages: under 65 as well as for people over 65. There are three types of Dental Insurance available:

• Indemnity Dental Insurance. With this dental insurance, you may choose your own dentist, as there are no network limitations.
• PPO Dental Insurance. This dental plan operates through a network of preferred doctors whose services are based on discount fees. Fees are higher for patients who visit out-of-network doctors.
• Dental Discount Plans. Participating doctors make an agreement to offer discount prices for the majority of dental work. These plans are not dental insurance, but only a discount.

All of them are available in Delaware. See Liberty Medicare list of Dental & Vision Insurance Providers.

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Delaware Supplemental Insurance Plans

Delaware supplemental insurance plans, such as Hospital Indemnity plans, Recovery Care plans and Critical Illness plans, are Indemnity Health Plans. They allow you to visit any health provider without health network limitations. Such plans pay you the specified cash amount for each covered service, regardless of what the provider charges you.

A variety of Supplemental Plans are available in Delaware. See Liberty Medicare list of Individual Supplemental Insurance Providers.