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Medicare Supplement Insurance Plans in Delaware

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What is a Medicare Supplement insurance plan?

A Medicare Supplement insurance plan, also known as Medigap, in Delaware can fill in some of the gaps in Original Medicare, Part A and Part B, coverage. Medigap benefits are designed to cover certain expenses not paid for under Original Medicare, including deductibles, copayments, and coinsurance. Some Medicare Supplement plans may also help pay for emergency medical care outside of the country.

In Delaware as in other states, Medicare Supplement insurance plans do not provide stand-alone coverage; instead, you’ll need to remain enrolled in Original Medicare for your hospital and medical care. Medicare Supplement insurance plans do not include coverage for services like routine vision and dental care. They also do not include prescription drug benefits. Since Original Medicare also doesn’t include prescription drug coverage, you may want to get this coverage by enrolling in a stand-alone Medicare Prescription Drug Plan.

Medicare Supplement insurance plans must be used with Original Medicare and are designed to help with Original Medicare costs. If you’re enrolled in a Medicare Advantage (Medicare Part C) plan, you cannot use a Medigap plan to cover your Medicare Advantage plan costs.

Enrolling in a Medicare Supplement insurance plan in Delaware

There are a number of times when a beneficiary might choose to enroll in a Medicare Supplement insurance plan in Delaware. The best time to do so is during the Medigap Open Enrollment Period. This six-month period begins on the first day of the month that a beneficiary is both 65 or older and enrolled in Medicare Part B.

During the Medigap Open Enrollment Period, companies offering Medicare Supplement insurance plans in Delaware, as in the rest of the country, are not allowed to use medical underwriting. This rule prohibits them from charging higher premiums or denying coverage to beneficiaries with pre-existing medical conditions. Once the Medigap Open Enrollment Period has passed, insurance companies may require medical underwriting, charge higher premiums, or deny coverage based on an applicant’s medical history. If you have health issues, you may have trouble enrolling in a Medigap plan or switching plans.

Choosing Medicare Supplement insurance plans in Delaware

In Delaware, Medicare Supplement insurance plans are offered by private insurance companies. Like in most other states, there are 10 plan types available, and each plan type is categorized by a letter (for example, Plan F). Each letter category corresponds with a different level of coverage, and all plans of the same letter category offer identical benefits. However, the cost of that plan might vary based on the insurance company and location where the plan is offered. For example, a Plan A might have a different premium cost in Sussex County than it does in New Castle.

Beneficiaries shopping for a Medicare Supplement insurance plan in Delaware should first choose the plan type that best meets their needs. As mentioned, since coverage is standardized across Medigap plans of the same letter, it’s a good idea to research what’s available and find an insurance company that sells that policy at the lowest cost.

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