Delaware Medical Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Delaware.
Medicare Supplement Insurance (Medigap) Policies
Mini-COBRA Policies (Small Group)
Delaware mandates continuation coverage for small employers of 1 to 19 employees under their mini-COBRA law.
Delaware Medicare Savings Program
There are four Medicare Savings Programs in Delaware.
*The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- *Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and couples with a monthly income under $1,355, the state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1,208 per month or couples with income under $1,622 a month, the state pays premiums for Medicare Part B.
- *Qualified Individuals (QIs): For individuals with monthly income under $1,357 or couples under $1,823, the state pays premiums for Medicare Part B.
- *Qualified Disabled and Working Individuals (QDWIs): For individuals with income under $4,045 per month or couples under $5,425 per month, the state pays premiums for Medicare Part A.
*Data from medicare.gov
According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
State Health Insurance Assistance Program (SHIP)
The SHIP Program of Delaware is known as the Delaware Medicare Assistance Bureau (DMAB). DMAB can help you understand your Medicare benefits, and it provides in-person and telephone assistance and counseling to Medicare and Medicaid beneficiaries in Delaware.
DMAB provides education, counseling, and information concerning:
- Medicare Prescription Drug Plans (Medicare Part D)
- Medicare Supplemental Insurance (Medigap) Plans
- Assistance for Medicare beneficiaries who are disabled
- Medicare Advantage Plans, such as HMOs, PPOs, etc.
- Long-term care and payment options
- Medical assistance programs
- Low-income assistance programs
DMAB also advocates on the behalf of Medicare beneficiaries regarding billing questions and disputes. DMAB uses volunteers who receive extensive training on health insurance in order to assist the bureau on a statewide basis. DMAB receives its funding in part through a grant from the Centers for Medicare and Medicaid Services (CMS).
(Extra Help) for Prescription Drugs
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple) and up to $13,640 in resources ($27,250 for a married couple).
For state residents, consult with a MedicareSolutions.com licensed sales agent for personal assistance and help specific to your health care situation. A licensed sales agent can provide you with a comparison of plans available in your area and assist you in locating the best Medicare insurance benefits to meet your needs.