Summary: When you’re enrolled in Original Medicare in Delaware, you have access to hospital insurance and medical insurance with Medicare Part A and Part B. You may also have other plan choices, such as Medicare Advantage. You might also consider the Medicare Part D prescription drug program.
Original Medicare in Delaware
Once you turn 65, you may want affordable medical coverage to help manage your health and well-being. This is where Medicare comes in. Original Medicare includes both Medicare Part A, hospital insurance, and Medicare Part B, medical insurance.
You might be automatically enrolled in Original Medicare as soon as you become eligible. This is usually true if you’re receiving Social Security retirement benefits when you turn 65.
Some people are eligible for Medicare in Delaware before the age of 65.
Otherwise, you may want to enroll in Original Medicare in Delaware during the Initial Enrollment Period (IEP). Enrolling during your IEP will let you avoid a late-enrollment penalty. Your Initial Enrollment Period is a seven-month period. It begins three months before you turn 65 and ends four months after that date.
If you miss your IEP, you’re able to enroll in Medicare in Delaware during the annual General Enrollment Period. This runs from January 1 to March 31 each year. You may have to pay a late enrollment penalty. This would mean higher monthly premiums.
You may receive Medicare Part A without a monthly premium. The Part A premium is usually waived if you’ve worked at least 10 years while paying Medicare taxes. Without this work history, you may have to pay a Part A monthly premium.
Medicare Part A benefits may include:
- Inpatient hospital care
- Skilled nursing facility care
- Nursing home care
- Hospice care
- Limited home health services
Medicare Part B comes with a monthly premium in most cases. If your annual income is above a certain amount, you may have a higher Part B premium.
Medicare Part B covers health benefits such as:
- Clinical research
- Ambulance services
- Durable medical equipment
- Mental health
- Getting a second opinion before surgery
- Limited outpatient prescription drugs
Medicare in Delaware Plan Options
Medicare Advantage (Medicare Part C) is another way to get your Medicare benefits. Medicare Advantage plans are required to offer at least the same coverage as Original Medicare, Part A and Part B.
Some Medicare Advantage plans in Delaware may have extra coverage. Examples include routine dental, vision, and hearing benefits.
Some Delaware Medicare Advantage plans have $0 monthly premiums in 2020. Keep in mind that you will still need to pay your Part B premium, along with any plan premium. You will also need to pay any deductible, copayment, and coinsurance.
You can also combine health and prescription drug coverage under a single Medicare Advantage prescription drug plan. If you enroll in any type of Medicare Advantage plan, you have to stay enrolled in Original Medicare.
Learn more about Medicare Advantage plans in Delaware.
Medicare Supplement (Medigap) insurance plans help pay for some of your out-of-pocket costs under Original Medicare, such as cost-sharing. Each plan includes different benefits and levels of coverage.
These plans can only be used to help with Original Medicare costs. You’ll need to stay enrolled in Part A and Part B.
Prescription drugs aren’t covered in these plans. If you want help with your medication costs, consider a stand-alone Medicare Part D prescription drug plan.
Specific plan types and premium amounts may vary. Find out about Medicare Supplement insurance plans in Delaware.
The Medicare Part D program offers prescription drug coverage. Costs of Delaware Medicare Part D prescription drug plans may vary.
Medicare Part D in Delaware has several out-of-pocket costs. These may include a monthly premium, annual deductible, and copayment or coinsurance.
Get information about Medicare prescription drug plans in Delaware.
If you’re on Medicare in Delaware, you might have various plan choices. Plan options will depend on your county. For example, plan options in Wilmington in New Castle County might be different than those in Dover in Kent County.
More information about Medicare in Delaware
For more information about Medicare in Delaware, contact:
- State Health Departments, 1-800-372-2022, 8AM-4:30PM, Monday through Friday
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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