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Medicare is a government-run health insurance program that provides coverage for a wide range of medical costs. Medicare and Medicaid are administered by the Department of Health and Human Services (HHS) in CMS.

The elderly population of Delaware is among the ten highest in the country. Delaware’s Medicaid program provides coverage for both the elderly and the disabled (including people with ALS or ESD). More than 86% of Delaware residents are eligible for Medicare because they are at least 65 years old, compared to just 14% who qualify because of a disability.

To keep up with escalating healthcare costs, it is essential that you choose an insurance plan that is both affordable and comprehensive. Learn more about different Delaware Medicare plans and how a licensed Medicare insurance agent can help you find the right one.

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Medicare Options in Delaware

Original Medicare

This is the standard Medicare that is governed by federal law. Original Medicare includes Parts A and B. Part A focuses on hospital coverage. This includes inpatient care, hospice care, and some home care and specialist nursing homes.

Part B deals with medical coverage. It covers outpatient care, preventive care, doctor’s appointments, and medical equipment. Immunization and screening that help you stay healthy and stave off disease are also part of this plan.

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Delaware Medigap for People Younger than 65

Delaware Medicare Advantage Plans (Part C)

Though Delaware Medicare Supplement plans offer the most extensive coverage; beneficiaries can also go for Medicare Advantage plans in Delaware. Medicare Advantage plans are offered by private organizations that contract with Medicare. The best copays are only available if you agree to use the plan’s network of physicians and hospitals.

There are four types of Medicare Advantage plans in Delaware:

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An elderly person talking to a Medicare insurance agent

Comparing Medicare Advantage Plans in Delaware

By 2020, 38,759 Delaware residents had enrolled in Medicare Advantage, accounting for nearly 21% of the state’s total population. With so many options available, you want to make sure you choose one that covers all your healthcare needs.

Consider the following factors when evaluating your Medicare options:

Provider Network

Some Medicare plans mandate that you only use the providers in the plan’s network. Otherwise, you’ll pay for your own medical care and those expenses may be higher than if you stuck to the provider network. To avoid high medical expenses, check if your doctors and hospitals are in the network.

Amount of Coverage Required

Do you have any specific goals in mind for your Medicare plan? Medicare Advantage and Medigap plans often include additional dental, vision and hearing benefits that aren’t covered by the original Parts A and B. Try keeping a list of benefits ready so that you can choose a plan that meets all your requirements.

Check Plan Ratings

With the dozens of plans with similar coverage and prices on the market, comparing plans can get overwhelming. The Centers for Medicare & Medicaid Services (CMS) releases Part C and Part D performance data every year. Make sure you check these ratings before open the enrollment period begins.

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Medicare Enrollment in Delaware

Medicare will register you automatically if you have received at least four Social Security or Railroad Retirement Board payments before your 65thbirthday. Otherwise, you can apply online or mail your application to your local Social Security Office. We recommend going the online route since it is a much quicker process.

Enrollment in Medicare is open during the following time frames:

Initial Enrollment

This is a 7-month window beginning three months before your 65th birthday and ending three months after it. If you enroll before 65, your coverage will begin during your birthday month. If you register after this period, your coverage will be delayed.

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Why Should You Choose Medicare Hope Insurance Agents?

The Medicare Insurance Agents at Integrity Now Insurance Brokers are certified annually by America’s Health Insurance Plan (AHIP). Our years of experience and expertise allows us to take care of all your Medicare Insurance needs. We work with the elderly, youth with disabilities, and others who need help taking care of their healthcare expenses.

Insurance plans for seniors are constantly being added to the Medicare marketplace. Existing plans also see updates and reductions. You don’t have to worry about keeping track of all these changes. We’ll handle it for you.

A Medicare insurance agent in Delaware will review your healthcare needs and weigh all your options. This includes figuring out if a Medicare Supplement Plan or a Medicare Advantage Plan is best for you.

A senior enrolling for Medicare online

With our guidance, you can compare quotes and find the best Medicare insurance plan for your needs. We have all the information you need to get started on debt-free and stress-free living.

Call us to speak with one of our representatives and get started today!

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