Best 2024 Medicare Advantage Plans in Delaware
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Finding the Best Medicare Advantage Plan in Delaware Starts Here
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Delaware, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Delaware, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Comparing the Leading Medicare Advantage Plans in Delaware
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Delaware's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
There are no 5-star plans in Delaware in 2024. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Delaware come from:
- Humana
- Aetna Medicare
- UnitedHealthcare
MedicareWire recommends that you evaluate the plans offered by these Delaware health insurance companies, before all others, for this single reason. More stars awarded by CMS typically means members get better results. So, for instance, five-star plan members might receive better service, phone support, and care than those who have a four-star plan.
TIP: Everyone's personal situation is different. And so are Delaware's Medicare Advantage plans. That's why it is so important to understand Medigap vs Medicare Advantage plans.
Complete List of Delaware's MA Plan Companies
Approximately 9 health insurance providers offer Medicare Advantage plans in Delaware, including:
- Aetna Medicare
- Cigna
- Cigna Healthcare
- Highmark
- Highmark Blue Cross Blue Shield
- Humana
- Lasso Healthcare
- NEW
- UnitedHealthcare
Delaware's Top-Rated Plans
Here's a list of the best Medicare Advantage plans available in Delaware, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Delaware
Provider | Plan ID | Plan Name | Premium | Limit | Stars |
---|---|---|---|---|---|
Aetna Medicare | H3959-055 | Aetna Medicare Advantra Value (HMO-POS) | $0.00 | $6,700 | 4.5 |
Aetna Medicare | H3959-068 | Aetna Medicare SmartSaver Elite (HMO-POS) | $0.00 | $4,850 | 4.5 |
Humana | H5216-029 | HumanaChoice H5216-029 (PPO) | $69.00 | $7,550 | 4.5 |
Humana | H5216-390 | HumanaChoice H5216-390 (PPO) | $23.00 | $4,900 | 4.5 |
Humana | H5216-308 | HumanaChoice H5216-308 (PPO) | $0.00 | $8,300 | 4.5 |
Humana | H5216-312 | HumanaChoice H5216-312 (PPO) | $0.00 | $2,900 | 4.5 |
Humana | H5216-387 | HumanaChoice H5216-387 (PPO) | $65.00 | $7,550 | 4.5 |
UnitedHealthcare | H5253-142 | AARP Medicare Advantage from UHC DE-0003 (HMO-POS) | $0.00 | $4,500 | 4.5 |
Aetna Medicare | H3931-102 | Aetna Medicare Premier Plus (HMO-POS) | $49.00 | $6,100 | 4.0 |
Aetna Medicare | H5521-095 | Aetna Medicare Premier Plus (PPO) | $57.00 | $7,550 | 4.0 |
Aetna Medicare | H5521-262 | Aetna Medicare Value (PPO) | $0.00 | $7,550 | 4.0 |
Aetna Medicare | H5521-397 | Aetna Medicare Preferred (PPO) | $39.00 | $4,900 | 4.0 |
Highmark Blue Cross Blue Shield | H8166-001 | Freedom Blue PPO Signature (PPO) | $0.00 | $6,700 | 4.0 |
Highmark Blue Cross Blue Shield | H8166-002 | Freedom Blue PPO Prestige (PPO) | $39.00 | $5,500 | 4.0 |
Highmark Blue Cross Blue Shield | H8166-004 | Freedom Blue PPO Distinct (PPO) | $25.00 | $6,000 | 4.0 |
Humana | H6622-010 | Humana Gold Plus H6622-010 (HMO-POS) | $0.00 | $3,850 | 4.0 |
UnitedHealthcare | H2228-129 | AARP Medicare Advantage Choice Plan 2 (PPO) | $29.00 | $5,700 | 4.0 |
UnitedHealthcare | H2406-075 | AARP Medicare Advantage from UHC DE-0001 (PPO) | $0.00 | $5,900 | 4.0 |
UnitedHealthcare | H2228-093 | AARP Medicare Advantage Choice Plan 1 (PPO) | $0.00 | $5,900 | 4.0 |
UnitedHealthcare | H2406-100 | AARP Medicare Advantage from UHC DE-0002 (PPO) | $39.00 | $5,700 | 4.0 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Delaware County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Delaware by County
Choose your Delaware County below to see the best (and the worst) plans.
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Navigating Your Options: How to Select the Best Medicare Advantage Plan in Delaware
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.
1. Examine Your Projected Utilization Needs
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Examine Your Prescription Medication Expenses
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Delaware Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Requirements
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Delaware shoppers, finding a plan that their doctors accept is exhausting. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
The average cost of a Medicare Advantage plan in Delaware is $15.65. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What is every Medicare Advantage plan required to include?
All Medicare Advantage plans offered in Delaware must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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