The Best Medicare Supplement (Medigap) Plans in Delaware

Christian Worstell
In this article...
  • Insurance carriers in Delaware help pay for Medicare deductibles and coinsurance through Medicare Supplement insurance. Use this review of Medigap plans to learn more.

Delaware seniors who are enrolled in the federal government's Medicare program can reduce their out-of-pocket costs with optional private insurance plans. Medicare Supplement Insurance, commonly called Medigap, covers some or all of the Part A and Part B coinsurance and deductibles you owe when treated by a health care provider.

Despite the option to sign up for Medigap, only about 66,163 residents in Delaware, or 38.6% of Medicare beneficiaries in the state, do so. If you want to have Medigap coverage in place, read on for tips on comparing costs and choosing a Medicare Supplement insurance plan in Delaware.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Delaware Medicare Supplement Plans?

Delaware insurance companies sell 10 types of standardized Medigap plans. Each type has the same fixed benefits, regardless of the carrier. This simplifies your choices because the only differences between plans in the same category are the costs charged by insurers.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Start by looking at the most basic coverage available. All Medigap plans (A-D, F, G and K-N) provide coverage of:

  • Part A hospital costs and coinsurance
  • Part B coinsurance
  • Part A hospice care coinsurance
  • First three pints of blood, if a hospital needs to buy it for you

If you only need these benefits, opt for Medigap Plan A. Otherwise, look at additional benefits offered by different plan categories, such as the Part A deductible, excess charges, out-of-country emergency care and skilled nursing facility coinsurance.

The Part B annual deductible for medical services and supplies is covered by Plans C and F, but these plans are only sold to Delaware residents eligible for Medicare prior to January 1, 2020. Legislation passed by Congress requires new beneficiaries to pay for the Part B deductible themselves. 

Plans F and G offer the most extensive coverage, paying for all of the standardized Medigap benefits available. Plan G is designed for those who don't qualify for the Part B deductible through Plan F.

Plans F and G are also the only two Delaware Medigap plans with standard and high-deductible options. If you sign up for the high-deductible versions of Plans F or G, Medigap doesn't pay any of your costs until you reach the plan's calendar year deductible. However, because you're paying more up front, premiums for these plans tend to be lower than standard F and G plans.

Medigap Plan N also tends to have more affordable premiums because of cost-sharing. You may pay up to $20 for an appointment with your doctor and up to $50 for emergency room care if you don't need to be admitted to the hospital as an inpatient. Otherwise, Plan N covers 100% of most of your Part B coinsurance.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a Delaware Medigap Plan?

Choosing the right Medigap plan in Delaware is only one step. You also need to watch the timing of your Medigap open enrollment period, which can save you money and maximize your coverage. 

You're given a Medigap open enrollment period once you're 65 and signed up for Medicare Part B. During this time, carriers can't make decisions about your coverage based on your medical history. Insurance providers must sell you the Medigap plan of your choice, giving you the widest selection of plans and rates. This period only lasts six months, after which insurance companies can underwrite any Medigap policy you wish to buy.

It's important to check when your Medigap open enrollment period starts because it's only offered to you once. Otherwise, the only other times you're protected by similar guaranteed issue rights is when you've lost health coverage due to specific circumstances — for example, your employer plan is terminated, your existing Medigap provider goes bankrupt or you move out of your Medicare Advantage service area.

If you qualify for guaranteed issue rights, you can apply to a Medigap plan without underwriting within 63 days of the end of your coverage.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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