Medicare Part D Delaware: Your Guide to Drug Plans in 2025
Choosing the right Medicare Part D plan in Delaware can feel like navigating a maze of premiums, deductibles, and formularies. But it doesn’t have to be overwhelming. With 19 different Medicare Part D Delaware plans available, finding one that fits your healthcare needs and budget is completely possible.
We're here to walk you through everything you need to know so you can make a confident, informed decision about your Medicare Part D Delaware coverage options.
Medicare Part D Delaware: The Complete List
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Preferred from UHC | $103.00 | $0 | Enhanced | No | No | |
AARP Medicare Rx Saver from UHC | $62.40 | $545 | Basic | No | No | |
AARP Medicare Rx Walgreens from UHC | $54.20 | $410 | Enhanced | No | Yes | |
Cigna Extra Rx | $69.10 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $20.00 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $41.40 | $545 | Basic | Yes | No | |
Clear Spring Health Value Rx | $25.80 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $44.40 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $104.60 | $0 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $43.50 | $545 | Enhanced | No | Yes | |
Mutual of Omaha Rx Essential | $26.30 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $89.10 | $545 | Basic | No | No | |
Mutual of Omaha Rx Premier | $84.60 | $349 | Enhanced | No | No | |
SilverScript Choice | $42.50 | $545 | Basic | Yes | No | |
SilverScript Plus | $113.40 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $12.40 | $280 | Enhanced | No | No | |
Wellcare Classic | $37.40 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $78.90 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.40 | $545 | Enhanced | No | No |
Medicare Part D Delaware Explained
A Part D plan is Delaware's go-to for helping you cover prescription drug costs if you're on Medicare. The main difference between this and Original Medicare is that private insurance companies run the show.
This year, you can expect to shell out an average of $388 for deductibles, but 3 plans offer a $0 deductible - music to the ears of those who have regular prescriptions.
Decoding How Medicare Part D Plans Work
Every Medicare Part D plan provides coverage for a broad selection of medications, organized into a list called a formulary. This list details all the drugs that a particular plan covers. Because formularies can differ between plans, it’s crucial to review your plan’s formulary to ensure it includes the medications you need.
Formularies are also divided into different "tiers," which categorize drugs based on their cost. Typically, medications in the lower tiers have smaller copayments, while those in the higher tiers come with greater out-of-pocket costs.
For example, Tier 1 drugs often consist of generics with the lowest copayments. Tier 2 might include preferred brand-name medications at a higher cost, while Tiers 3, 4, and 5 generally cover specialty drugs, which are usually more expensive.
Your out-of-pocket expenses will depend on factors such as the plan you choose, the tier of your medications, and your current phase of coverage, whether it's the deductible phase or initial coverage phase.
Key Factors to Consider When Before a Medicare Part D Delaware Plan
Finding a Medicare Part D Delaware plan that aligns with your individual needs requires careful review of various factors. This ensures that your plan provides the right coverage while minimizing your out-of-pocket costs.
Monthly PremiumThis is the amount you pay each month for your Medicare Part D plan. Think of it like a subscription fee. While it’s tempting to go for the lowest possible premium, remember to factor in deductibles, copayments, and coverage details.
A lower monthly premium often means a higher deductible or more limited coverage. The goal is to find a good balance that won't result in unexpected expenses later.
Annual Deductible
Similar to deductibles with other types of insurance, this is the amount you need to pay out of pocket for covered medications before your Medicare Part D plan starts covering costs. It’s the amount you pay before your insurance kicks in.
If you regularly take prescription medications, opting for a plan with a lower deductible can often lead to greater savings. If you rarely need prescriptions, choosing a plan with a higher deductible might be a better option.
Drug Formulary
Carefully check the plan’s formulary (list of covered medications) to make sure the drugs you take are on it. Since plans often change their formularies throughout the year, it’s a good practice to review it during the Annual Enrollment Period to confirm your medications are still covered.
Pay special attention to your drug’s tier placement because this directly impacts how much you'll have to pay for it.
Pharmacy Network
Most plans have preferred pharmacy networks offering reduced medication prices, potentially saving you significant money. Check that the pharmacies you prefer are in the plan’s network and explore if mail-order pharmacy services are an option. This can be particularly beneficial for maintenance medications.
How Part D Plans Work with Other Parts of Medicare
Medicare Part D gives you prescription drug coverage, but you might wonder, "How does it fit in with my other Medicare coverage?" It's simpler than you think! Let's break it down:
Original Medicare (Parts A and B)
With Original Medicare, Part A covers hospital stays, while Part B handles doctor visits and other medical services, including medications administered by your doctor. Part D comes into play by helping cover the costs of the prescription drugs you take at home. Together, these parts provide comprehensive coverage for both medical care and prescriptions.
Medicare Supplement Insurance
Medicare Supplement plans, often referred to as Medigap, help pay for some of the healthcare costs that Original Medicare doesn’t cover, such as copays, coinsurance, and deductibles. However, Medigap plans don’t cover everything.
For example, Medicare Supplements don’t include prescription drug coverage. To get coverage for your medications, you'll need to enroll in a stand-alone Part D plan.
If you take multiple medications, having both a Medicare Supplement plan and a Part D plan can help you manage your costs. Although you’ll pay a monthly premium for each, the added security of comprehensive medical and drug coverage can be well worth it.
Medicare Advantage (Part C)
For those enrolled in a Medicare Advantage plan, also known as Part C, Part D coverage works a bit differently. Most Medicare Advantage plans include prescription drug coverage, meaning your medical care and medications are bundled together in one plan.
However, some Medicare Advantage plans do not include drug coverage, giving you the option to enroll in a stand-alone Part D plan instead.
Whether you opt for Original Medicare with a separate Part D plan or a Medicare Advantage plan that includes drug coverage, it’s all about finding the right fit for your needs. Consider the medications you take and your budget to choose the best option for your healthcare.
Important Dates for Medicare Part D Enrollment
Medicare has specific timeframes for enrolling in or modifying your coverage. Here are the key enrollment periods to keep in mind:
- Initial Enrollment Period (IEP): This begins three months before your 65th birthday and lasts for a total of seven months.
- Annual Enrollment Period (AEP): Occurring each year from October 15th to December 7th, this period allows you to make changes to your coverage.
- Medicare Advantage Open Enrollment Period: Held annually from January 1st to March 31st, this period is for those who already have a Medicare Advantage plan.
For more details, be sure to checkout and bookmark our Medicare Enrollment Periods Guide.
Finding Help With Medicare Part D Delaware Enrollment
Finding and comparing Medicare Part D California plans alone can sometimes feel daunting. But there’s help available. Our team of experienced, licensed insurance agents is available by phone (1-877-388-0596) from 8 a.m. to 11 p.m., Monday through Sunday (Eastern Standard Time).
We can answer your questions and assist with plan comparisons to guide you through the process.
Plans Offered Through Medicare.org
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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