Delaware seniors can choose from 21 Medicare Part D Plans in 2018. Choose carefully, and don’t settle on a prescription drug plan until you know that your most expensive medications are covered at a price you can afford. This information is available in the plan’s formulary. The formulary also gives you the co-payment information.
2018 Coverage Gap on all Delaware Medicare Part D Plans
If you have expensive prescriptions, chances are that you will reach the Medicare coverage gap (aka, donut hole) on your plan. The Affordable Care Act law closes the gap over the new few years, but it’s still with us in 2018. Until it’s gone you’ll need to use good sense to get through the period when your medications are not covered.
Using a Delaware Medigap Policy with a Medicare Part D Plan
Medicare does not pay for all of your hospital and doctor bills. Even with the new healthcare law in place, Original Medicare only pays about 80 percent of your major healthcare bills in Delaware. The rest comes out of your pocket. To protect yourself from the high cost of an illness or injury that requires hopitalization, you need a Medigap supplemental Medicare insurance policy. We publish a complete catalog of Medigap policies for Delaware seniors with the tools you need to find the most affordable policy with the best coverage.
Most Delaware Medicare Advantage Plans Include Part D Plan Benefits
More than 15-million people on Medicare enrolled in a Medicare Advantage plan in 2015. The biggest reason for switching is the added benefits and lower out-of-pocket costs. Of the additional benefits included, by far the most common is prescription drug coverage. Our catalog will show you all Medicare Advantage plans in Delaware and the features, benefits and coverages they offer.
Eligability and Availability
You are eligible to apply for a Medicare Part D Plan in Delaware if you are:
- A resident,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over (or have Medicare due to a disability).
Medigap Part D Plans are available in the following counties: New Castle, Kent, Sussex, and all other areas of the state.