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Medicare Advantage Plans in Delaware

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What are Medicare Advantage plans in Delaware?

Also known as Medicare Part C, Medicare Advantage plans in Delaware provide an alternative way for Medicare beneficiaries to get their coverage. Unlike Original Medicare, where Medicare benefits are administered through the federal program, individuals with Medicare Part C have their benefits administered by the Medicare Advantage plan. Medicare Advantage plans offer at least the same level of coverage as Medicare Part A and Part B, but may include additional coverage for services like routine vision, hearing, and routine dental care. In contrast to Original Medicare, where prescription drug coverage must be purchased separately, some Medicare Advantage plans also include prescription drug coverage within the same plan.

Medicare Advantage plans in Delaware are offered by private insurance companies that are contracted by Medicare. There may be several types of Medicare Advantage plans available in Delaware. Your options may include Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans, which are two types of popular managed-care plans.

Medical Savings Account plans are another type of Medicare Advantage plan that combines a high-deductible plan with a medical savings account.

For those who want Medicare Part C coverage, but like the flexibility of using any provider they want, a Private Fee-for-Service plan may be a good option. This type of plan lets the member see any provider that will accept the plan’s terms and conditions; however, keep in mind that the provider must agree to contract with the plan and treat the beneficiary each time that a health-care service is provided.

Special Needs Plans are another type of Medicare Advantage plan; this type of plan limits membership to beneficiaries who meet certain criteria, such as those who live in an institution, have a chronic condition, or have Medicaid and Medicare. Keep in mind that the type of coverage and the cost of the plan can vary between plans and carriers.

Prescription drug coverage with a Medicare Advantage plan in Delaware

Beneficiaries who enroll in a Medicare Advantage plan in Delaware have the option of enrolling in a plan that includes prescription drug benefits. These plans are known as Medicare Advantage Prescription Drug plans, or MAPD plans. Not every Medicare Advantage plan is a Medicare Advantage Prescription Drug plan, so check with the specific plan you’re considering if you want prescription drug coverage.

Keep in mind that if you want prescription drug coverage and you have Medicare Part C, you’ll typically get this coverage through a Medicare Advantage plan that includes prescription benefits. If you enroll in a stand-alone Medicare Prescription Drug Plan and you’re currently enrolled in a Medicare Advantage Prescription Drug plan, you’ll be disenrolled from your Medicare Advantage plan and returned to Original Medicare.

Choosing a Medicare Advantage plan in Delaware

Medicare Advantage plans in Delaware can vary in terms of the coverage they offer and costs like monthly premiums, copayments, coinsurance, and deductibles. Beneficiaries should carefully compare the plans available in their zip code to ensure they choose the best coverage for their medical needs and budget. Because plans might contain special coverage for services like routine vision, hearing, and routine dental care, as well as prescription drug benefits, all these features need to be considered before a beneficiary enrolls in a plan. Particularly for Delaware beneficiaries who take prescription drugs, the cost of covered medications can vary widely between plans. Do you need help finding Medicare plan options that may be a good fit for you? Feel free to contact eHealth today and speak to a licensed insurance agent to discuss your Medicare needs and get personalized assistance.

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