UPDATED Jan. 27, 2023. Delaware Medigap plans, also known as Delaware Medicare Supplement plans, provide a buffer against the medical expenses that Original Medicare allows, but pays only partially. These expenses, known as out-of-pocket costs, include deductibles, copayments/coinsurances, and excess charges. Without such plans, you may incur significant Medicare health costs.
Delaware Medicare Supplement Plans are sold by private insurance companies licensed in Delaware. Most of Medigap rules and regulations are common in all states (with the exception of Massachusetts, Minnesota, and Wisconsin). In particular, Standardized Medicare Supplement Plans specify Medigap benefits that are common in all states for all Medigap vendors that offer a specific Medigap plan.
Medigap premium in Delaware is determined by the following factors:
- Zip code (and sometimes a County within the zip code)
- Whether or not you are a tobacco user.
The premiums are typically inflated in urban areas and lower in rural areas. Female premiums generally are 10-15% lower than male premiums. Some Delaware carriers add extra benefits beyond the standard benefits, such as the Vision Plan discount. Contact Liberty Medicare for more information.
Delaware Medicare Supplement Plans: Specific Medigap Regulations
Delaware law does not ban Medicare vendors from charging more than what Medicare allows. This difference is known as Extra Charges. Therefore, the Delaware Medigap Plans that do not include Extra Charges (Medicare Supplement Plan C and Medicare Supplement Plan D) are less expensive than plans that include Extra Charges (Medicare Supplement Plan F and Medicare Supplement Plan G).
The Federal Government has no requirements that would make Medigap carriers to sell Medicare policies to people under the age of 65 which is Medicare due to disability. Most Delaware Medicare Supplement vendors offer all Medigap plans for people age 40-64, but the premiums are prohibitively high – much higher than premiums for people who are 65 years old.
Besides standard Guaranteed Issue Rights, some states have additional Guaranteed Issue Periods, such as a 30-days birthday period. Delaware does not have such periods. Delaware does permit a household discount to be applied to Medigap plans, and more than a few Medicare Supplement vendors offer this reduction.
Delaware Insurance Department
Liberty Medicare list of Delaware Medicare Supplement (Medigap) carriers
Delaware Medicare Supplement providers represented by Liberty Medicare offer a variety of Medigap plans. Some of the vendors provide every Standardized plan, while others offer only some of them. The premiums for Delaware Medigap plans vary significantly. Contact Liberty Medicare for assistance in selecting your Medigap plan.
- Cigna Medicare Supplement (ARLIC)
- Guarantee Trust Life
- New Era
- Omaha Insurance Company
- Union Security Insurance Company (USIC)
- United States Fire Insurance
Let Liberty Medicare Help you to Choose one of the Delaware Medigap Plans
Liberty Medicare is here to help you through all phases of choosing and enrolling in the best, most suitable Delaware Medigap Plan for you.
All of our services are offered to you at no cost. We’ll help you:
- Find all available to you plans and compare their benefits
- Determine your eligibility (particularly if medical underwriting is required)
- Find the least expensive Medigap plan and enroll into it
Learn more about all the benefits of working with Liberty Medicare.
If you are looking for Medicare Supplement coverage, let us guide you. To view real quotes from Delaware Medigap plan providers, please fill out our Medicare Supplement Quote form, or give us a call at 877-657-7477.