Medicare Supplement Plans in Delaware

Tamera Jackson by Tamera Jackson | Licensed since 2007
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This article was updated on: 10/12/2018

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When you first enroll in Original Medicare (Part A and Part B) you may be in good health and have relatively few doctor visits and no overnight hospital stays. However, a few years after enrolling in Medicare, you may develop an unexpected and serious chronic health condition and spend extended time in the hospital. You may also visit the doctor frequently and spend time in skilled nursing facility (SNF).

At this point you may face significant out-of-pocket costs, including coinsurance, copayments, and deductibles. In fact, if you use up your “lifetime reserve days” for nights in a hospital, you may have to pay 100% out-of-pocket. This is where a Medicare Supplement plan in Delaware can be very useful. Medicare Supplement plans help cover Medicare out-of-pocket costs. Since Original Medicare has no out-of-pocket maximum, you could be paying thousands of dollars out-of-pocket without a Medicare Supplement plan in Delaware.

What does Medicare Supplement in Delaware cover?

Medicare Supplement plans in Delaware are offered by private insurance companies. There are 10 Medicare Supplement plans in Delaware labeled A, B, C, D, F, G, K, L, M and N. Plans are standardized, meaning all plans of the same letter have the same basic benefits regardless of which private company offers them. You may not find all 10 Medicare Supplement plans available in every part of Delaware.

All Medicare Supplement plans in Delaware cover Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted. All plans also cover, at least 50% of:

  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Medicare Part A hospice coinsurance or payment

Some Medicare Supplement plans in Delaware also cover:

  • Skilled nursing facility coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergencies up to plan limits

Medicare Supplement plans K and L have out-of-pocket limits, which can give you the assurance that there is a maximum you will have to pay before all your Medicare-covered costs are paid for the remainder of the calendar year. This useful Medicare Supplement plans comparison chart will help you compare Medicare Supplement plans in Delaware.

Keep in mind that Medicare Supplement plans in Delaware generally don’t cover prescription drugs. If you want prescription drug coverage, you may want to enroll in a Medicare Part D Prescription Drug Plan.

When can I enroll in Medicare Supplement in Delaware?

You can apply for Medicare Supplement in Delaware at any time, but if you have a medical condition, you may be rejected. This is because insurers that offer Medicare Supplement in Delaware are allowed to use medical underwriting.

Medical underwriting considers your health conditions before offering you coverage. You should also know that the federal government doesn’t require private insurance companies to offer Medicare Supplement plans to people under 65. However, you may be able to get Medicare Supplement in Delaware if you are under 65 and have end-stage renal disease (ESRD).

One way to get Medicare Supplement plans without medical underwriting is when you turn 65 and are enrolled in Medicare Part B. You will then be granted a Medicare Supplement Open Enrollment Period for six months. During this six months you can apply for Medicare Supplement and private insurance companies can’t use medical underwriting when considering your application.

To schedule a time to speak one-on-one or have me email you more information, use the links below. If you’re ready to find plans now, you can use the Find Plans buttons on this page to browse plans now.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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