Delaware Senior Health Insurance

Explore Your Options

Being the second smallest state in size does not necessarily make it the smallest in population. Many people from the east coast flock to Delaware for retirement due to its history, beautiful beaches and great sense of community. Whether you grew up in Delaware or decide to move there for retirement, it’s important to know what your Senior Health Insurance options are when you become eligible for Medicare.

Residents in Delaware have the option to enroll into a Medicare Supplement Plan (Medigap), Prescription Drug Plan (Part D) or a Medicare Advantage Plans (Plan C).

Medicare Supplement Plans are offered state-wide, meaning anyone in Delaware can enroll into one. Medicare Supplement Plans are designed to help cover expenses such as coinsurance, deductibles and copays. There are typically about 10-12 different standardized plan options ranging from Plan A to N, all varying in coverage. Medicare Supplement Plans have a monthly premium associated with them. They also do not include prescription drug coverage; therefore they are often paired with a Prescription Drug Plan.

Prescription Drug Plans are stand-alone policies offered by private insurance companies. As of 2023, there are about 22 different Prescription Drug Plans available in the state of Delaware. Carriers will offer different ranges in prescription coverage, premiums and copays. While these plans are not created to pay all your prescription costs, they are designed to help significantly lower your out-of-pocket costs. If you need Extra Help paying for your prescriptions, please click here to see if you qualify.

Medicare Advantage Plans are regulated by the government and hold annual contracts with the Centers of Medicare and Medicaid Services (CMS). This type of plan is county-based and plan options vary between counties. Medicare Advantage Plans in Delaware range in types, there are HMO and PPO plans. To learn what the difference in these plan types are, contact and talk to a licensed Specialist today. Medicare Advantage Plans are network based, meaning you must see an in-network Doctor to avoid paying an out of network cost.

Now that you know all of the Senior Health Insurance options available in Delaware, give us a call for your free comparison. Our Senior Health Insurance Specialists will take into consideration your doctor preference, price range, desired flexibility, and prescriptions to help you feel confident with your Senior Health Insurance selection.

Senior Resources:
Delaware Department of Health and Social Services:
Delaware Division of Services for Aging and Adults with Physical Disabilities: