Medicare Supplement Insurance (Medigap) helps Delaware seniors and eligible disabled residents manage out-of-pocket healthcare costs not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. Residents of Delaware can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Delaware
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 30,215 |
| 2 | G | 16,002 |
| 3 | N | 10,888 |
Note: Plans E, H, I, and J were retired nationwide and are no longer offered. Pre-standardized plans (sold before July 1992) may still exist but cannot be purchased today.
Did you know? Delaware requires insurers to make all Medigap plans available to beneficiaries under 65, a level of access not guaranteed in many states. While premiums may be higher for this group, it ensures younger beneficiaries aren’t locked out of comprehensive coverage.
How Medigap Pricing Works in Delaware
Premiums for Medigap plans can rise differently depending on the rating method used by insurers. In Delaware, policies may be priced in one of three ways:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not aging.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Delaware
Delaware provides stronger protections for under-65 beneficiaries than many other states. Insurers must offer every Medigap plan to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). However, premiums for this age group may be higher than those charged to enrollees age 65 and older.
Choosing a Medigap Plan in Delaware
Plan F remains the most popular option among Delaware beneficiaries, though it is closed to new enrollees. Many new Medicare participants are turning to Plan G for comprehensive benefits or Plan N for cost savings. All Medigap policies are accepted nationwide at any provider that takes Medicare, giving Delaware residents confidence in their coverage whether receiving care locally or out of state.
To compare premiums and explore plan options, visit our Medigap rate comparison page.