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Best Medicare Advantage Plans in Delaware for 2020

Finding the Best Medicare Advantage Plan in Delaware for 2020 can be a great choice for Delaware residents who have Medicare coverage. If you’re only enrolled in Medicare Part A and Part B, you may have to cope with a variety of copays, coinsurance payments and more. These can include fairly large deductibles and other costs for covered services and of course, for things that Original Medicare will not cover at all. Lots of local Medicare beneficiaries have found that Medicare Advantage plans in Delaware offer them a good value because they can help reduce costs and make healthcare services accessible.

If you speak with an insurance agent, you can find out about the best Medicare Part C plans in Delaware for 2020 that cover more than Medicare Part A and Medicare Part B do, from HMO and PPO options to high deductible plans with special healthcare savings accounts. Some even include Medicare Part D plans and therefore offer prescription drug coverage!

Best Time to Enroll in Medicare Advantage Plans in Delaware for 2020

If you have enrolled in Medicare Part A and Part B or are just about to, you can join a Medicare Advantage plan in Delaware. The only exception to the previous statement is for a Medicare beneficiary who has End Stage Renal Disease ESRD. People who have ESRD can join Special Needs plans that help manage this condition.

Otherwise, you should still keep track of the times that you can join a Delaware Medicare Advantage plan. These include:

  • Initial Coverage Election Period: Around the time you first get Medicare Part A and Part B, you can join a Medicare Advantage plan.
  • Annual Election Period: Each year, you will have several weeks to compare and select new Medicare Advantage plans in Delaware for 2020.
  • Special Election Periods: Certain circumstances can trigger Special Election Periods that will allow you to enroll in a new plan.
  • Medicare Advantage Disenrollment Period: If you want to drop your Medicare Part C, select Part D, and return to Medicare Part A and Part B, it’s best to do this during the Medicare Advantage Disenrollment Period at the beginning of the year. This may be replaced by an extra Annual Election Period.

Best Types of Medicare Advantage Plans in Delaware for Different Needs

Medicare Part A and Part B are standardized everywhere in the United States. That isn’t true of Medicare Part C. Your out-of-pocket costs and network rules can vary a lot between one insurance company or another one. They will also vary by the kind of Medicare Advantage plan in Delaware that you choose for 2020.

To help you find the best kind of Medicare Advantage plan in Delaware for your needs, learn about the popular kinds of coverage that you can find:

  • Health Maintenance Organization HMO plans in Delaware:

    Typically, an HMO will be a low-cost option, but it will have strict network rules. About 30 percent of Georgians choose an HMO.

  • Preferred Provider Organization PPO plans in Delaware:

    A PPO also uses a network, but it will be more flexible. Almost 70 percent of Georgia MA members choose a PPO.

  • Special Needs Plans SNPs in Delaware:

    Special Needs Plans are often the best Medicare Advantage plan type to help people manage specific conditions, like institutional conditions or chronic health conditions.

  • Dual-Eligible in Delaware:

    These plans are for Medicare recipients who also qualify for Medicaid.

  • End Stage Renal Disease ESRD plans in Delaware:

    These are special plans that are tailored for people who suffer from ESRD.

Enrollment Statistics for Medicare Advantage Plans in Delaware

These are some of the best statistics about enrollment in Delaware Medicare Advantage plans that we could find:

  • Total Delaware enrollment: 20,739
  • Percent of all people entitled to Medicare Part A and Part B: 11 percent

These are the most highly populated counties in Delaware:

  • New Castle County, Delaware: 559,793
  • Sussex County, Delaware: 225,322
  • Kent County, Delaware: 176,824

How Medicare Advantage Plans in Delaware for 2020 Help With Prescriptions

You can’t rely upon Medicare Part A and Part B to help pay for most prescriptions that you pick up at your local pharmacy. Even though Original Medicare only covers prescription medication in limited cases, most Medicare Advantage plans in Delaware will come bundled with Part D drug coverage. In some cases, you might get medical and drug benefits for very cheap premiums or even a $0 premium.

You should check Medicare Advantage Prescription Drug plans for their formulary. This is what a Medicare Part C plan in Delaware will call the list of all of the drugs that it covers. You should also note that the plan might have Prescription Drug tiers, so you may pay different rates for generic, specialty, and brand-name medication. If you rely upon prescription medicine, you will want to take some time to compare various 2020 drug plans to make sure you find the best drug benefits for your needs. If your needs change, you can change your Medicare Advantage plan during Open Enrollment each year.

Network Rules for a Delaware Medicare Advantage Plan in 2020

One big difference between Medicare Advantage plans and Original Medicare is that Original Medicare does not have any plan networks. You may want to find a hospital and doctor that accept Medicare Assignment to make sure you don’t get billed more than you expect with Original Medicare, but beneficiaries don’t have to choose their caregivers from a list of network providers. In order to ensure your Medicare Advantage plan network is best for your situation, take some time to understand the differences.

HMO Medicare Advantage Plans: With an HMO, a beneficiary should expect to get almost all covered medical services from an in-network provider. An HMO will only help pay for out-of-network medical care in the case of an emergency or other very unusual instances. Also, you have to select a primary care doctor from the list or have one assigned to you. This PCP has to give you referrals to get your visits covered at a specialist’s office. This may sound very restrictive, but an HMO can give you low or $0 premium rates.

PPO Medicare Advantage Plans: With a PPO, you don’t need a primary care doctor. You will save the most money with in-network providers, but you can still get your services covered if you go outside of the network. If you live in a rural area or plan to travel a lot during 2020, you find that PPO Medicare Advantage plan in Delaware for 2020 might be best because you can get covered services with doctors or hospitals that are not in your local network.

Private Fee for Service Part C Plans: There are Advantage plans that do not have network restrictions. Private fee or fee-for-service plans are one option, but many people find that they have higher out-of-pocket expenses. You can also look into Supplement plans if you’d like to avoid network restrictions. Although Medicare Supplement insurance options don’t have network restrictions, though, be aware that they don’t include Medicare prescription drug plans, either.

Find the Best Medicare Advantage plans in Delaware for 2020

Even though this state contains relatively few members of Medicare Advantage plans for 2020, a handful of top insurers still will offer Medicare Part C plans in Delaware. This list provides you a quick comparison of some major Medicare insurance companies:

  • Humana: Humana has earned about eight percent of the market share. Humana’s Gold Plus HMO has good quality ratings in some Delaware counties.
  • Cigna: Delaware residents tend to favor Cigna, as it has almost 40 percent of the market in this state.
  • Aetna: Aetna has also attracted about 40 percent of Medicare Advantage plan members. They have offered both PPO and HMO Medicare Part C plans with good star ratings.

A note about star ratings: Medicare considers dozens of factors to assign ratings to each plan in each county. At the time of this publication, there weren’t promotions for any Medicare Advantage plans in Delaware with a 5-star rating for 2020. It’s challenging to earn a 5-star rating, but several insurers had received at least a rating of 4 stars.

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Delaware will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Delaware.

Best Delaware Medicare Resources

These local resources can help Medicare beneficiaries in Delaware make the most of their benefits from Original Medicare or Medicare Advantage plans:

After using these resources to sign up for and learn more about your Medicare benefits, you can give us a call. We’d love to talk to you about your health plan options for 2020, whether you’re interested in Medigap plans or stand-alone Medicare Advantage plans in Delaware. We’ll help you find an insurance plan with a monthly premium that you can afford along with your Part B premium. Call us today for help with locating your best Medicare health insurance options!