Over 44 million people have enrolled themselves in the Medicare program to avail coverage of numerous health care supplies and services. Of this, a fair share opted for Medicare plans as a support option to cover for the additional expenses. Delaware offers a number of assistance programs to cover the costs that an enrolee cannot afford. Such plans include the state Medicaid program to help particularly the low-income Medicare beneficiaries. Delaware also has its managed health care plan- Diamond State Health Plan to assist in covering costs.
Why have a Medicare Plan:
Delaware is considered an ideal place to settle down after retirement. For those above 65, it is crucial to be enrolled in Medicare. At such an age, smart retirement planning pays off, which also includes having a concrete health insurance plan. Medicare is health insurance for U.S. citizens above 65, or under 65 with disability or end-stage renal disease. It offers coverage in several parts, which are listed here:
Part A: it covers hospital insurance and also provides funds for inpatient care. It covers hospice, home health care and skilled nurses partially, under some conditions.
Part B: this covers critical medical services, such as doctor services and outpatient care. To minimise chances of severe illness, some preventive care coverage is also included.
Part C and D include the Medicare advantage plans and Medicare Prescription Drug coverage, respectively.
All Medicare related plans are supervised by state and federal laws to safeguard the citizens. Delaware follows the county- organization model. In the 3 counties of Delaware, there are 330 Medicare Supplement Plans operational.
Medicare Advantage Plans: this comes under the Part C, and is a managed care plan. It generally covers all costs, but puts several restrictions on the hospitals and health care providers an individual can choose.
Medicare Part D plans: Private insurance companies sell Prescription Drug Plans, and newly enrolled people have a 7-month window to get enrolled in a PDP.