Delaware › New Castle County
Medicare plans in New Castle County, Delaware
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in New Castle County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (18 plans)
- Part D drug plans (10 plans)
- Special needs plans (13 plans)
- Medicare Advantage without drug coverage (5 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to New Castle County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in New Castle County
At a glance
- 23 Medicare Advantage plans are open to anyone with Medicare here; 17 charge no monthly premium.
- 8 give back part of your Part B premium, up to $159.90 a month.
- The lowest yearly limit on what you pay for in-network care is $5,900.
- 10 Part D drug plans, from $0 to $108.60 a month.
Medicare Advantage plans with drug coverage 18
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE GIVEBACK 002 DE (PPO) Devoted Health · H0413-002-000 | PPO | $0/moGives back $159.90/mo of your Part B premium | $9,250 | Not yet rated |
| Humana Essentials Plus Giveback H5216-308 (PPO) Humana · H5216-308-000 | PPO | $0/moGives back $117/mo of your Part B premium | $9,250 | 3.5★ |
| Humana Essentials Plus Giveback H7617-100 (PPO) Humana · H7617-100-000 | PPO | $0/moGives back $117/mo of your Part B premium | $9,250 | 4.5★ |
| DEVOTED CHOICE 001 DE (PPO) Devoted Health · H0413-001-000 | PPO | $0/mo | $6,700 | Not yet rated |
| HealthSpring Preferred (HMO) Cigna Healthcare · H2108-042-001 | HMO | $0/mo | $7,500 | 3.0★ |
| AARP Medicare Advantage from UHC DE-0001 (PPO) UnitedHealthcare · H2406-075-000 | PPO | $0/mo | $6,700 | 4.0★ |
| Aetna Medicare Advantra Signature (HMO) Aetna Medicare · H3959-055-000 | HMO | $0/mo | $6,500 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H4661-001-000 | HMO-POS | $0/mo | $6,000 | Not yet rated |
| AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) UnitedHealthcare · H5253-142-000 | HMO-POS | $0/mo | $5,900 | 4.0★ |
| AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) UnitedHealthcare · H5253-206-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| HealthSpring True Choice (PPO) Cigna Healthcare · H7849-146-000 | PPO | $0/mo | $6,800 | 3.0★ |
| Complete Blue PPO Signature (PPO) Highmark Blue Cross Blue Shield · H8166-005-000 | PPO | $0/mo | $6,750 | 4.0★ |
| HumanaChoice H5216-390 (PPO) Humana · H5216-390-000 | PPO | $19.70/mo | $5,900 | 3.5★ |
| HumanaChoice H5216-387 (PPO) Humana · H5216-387-002 | PPO | $25/mo | $8,950 | 3.5★ |
| Aetna Medicare Enhanced (HMO) Aetna Medicare · H3931-102-000 | HMO | $46/mo | $6,750 | 3.0★ |
| AARP Medicare Advantage from UHC DE-0002 (PPO) UnitedHealthcare · H2406-100-000 | PPO | $52/mo | $6,300 | 4.0★ |
| Aetna Medicare Premier (PPO) Aetna Medicare · H5521-095-000 | PPO | $87/mo | $7,500 | 4.5★ |
| Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield · H8166-006-000 | PPO | $105/mo | $6,500 | 4.0★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Mid-Atlantic (Delaware, District of Columbia and Maryland).
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-103-000 | $0/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-184-000 | $4.30/mo | $601 | 3★ |
| Wellcare Value Script (PDP) Wellcare · S4802-140-000 | $5.60/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-079-000 | $5.70/mo | $615 | 3.5★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-214-000 | $32.60/mo | $615 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-350-000 | $37.80/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-355-000 | $66.60/mo | $615 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-387-000 | $94.50/mo | $130 | 2★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-010-000 | $97.40/mo | $615 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-151-000 | $108.60/mo | None | 3★ |
Special needs plans 13
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · H3959-084-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,750 | 4.0★ |
| UHC Complete Care DE-4 (HMO-POS C-SNP) UnitedHealthcare · H5253-179-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,900 | 4.0★ |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare · H3959-083-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $7.40/mo | $9,250 | 4.0★ |
| Wellcare Dual Select (HMO-POS D-SNP) Wellcare · H4661-005-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $18.10/mo | $3,850 | Not yet rated |
| HealthSpring Achieve (HMO C-SNP) Cigna Healthcare · H2108-029-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $28/mo | $5,500 | 3.0★ |
| Highmark Health Options Duals (HMO D-SNP) Highmark Blue Cross Blue Shield · H7710-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.20/moGives back $0.60/mo of your Part B premium | $9,250 | Not yet rated |
| Highmark Health Options Duals Select (HMO D-SNP) Highmark Blue Cross Blue Shield · H7710-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.20/moGives back $0.60/mo of your Part B premium | $9,250 | Not yet rated |
| DEVOTED C-SNP CHOICE PLUS 003 DE (PPO C-SNP) Devoted Health · H0413-003-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $31.20/mo | $9,250 | Not yet rated |
| AmeriHealth Caritas VIP Care (HMO D-SNP) AmeriHealth Caritas VIP Care (HMO-D-SNP) · H0738-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.20/mo | $9,250 | Not yet rated |
| AmeriHealth Caritas VIP Care Choice (HMO D-SNP) AmeriHealth Caritas VIP Care (HMO-D-SNP) · H0738-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.20/mo | $7,550 | Not yet rated |
| Wellcare Delaware First Health Dual Align (HMO-POS D-SNP) Wellcare · H4661-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $31.20/mo | $9,250 | Not yet rated |
| UHC Complete Care Support DE-5A (HMO-POS C-SNP) UnitedHealthcare · H5253-200-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $31.20/mo | $9,250 | 4.0★ |
| UHC Nursing Home Plan EX-F002 (PPO I-SNP) UnitedHealthcare · H0710-017-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $32.60/moGives back $0.50/mo of your Part B premium | $9,250 | 4.5★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: LIFE at St. Francis Healthcare, Inc (PACE), LIFE at St. Francis Healthcare, Inc (PACE).
Medicare Advantage plans without drug coverage 5
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · H5216-381-000 | PPO | $0/moGives back $110/mo of your Part B premium | $6,750 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) UnitedHealthcare · H5253-143-000 | HMO-POS | $0/moGives back $105/mo of your Part B premium | $6,700 | 4.0★ |
| Aetna Medicare Advantra Eagle Plus (HMO) Aetna Medicare · H3959-056-000 | HMO | $0/moGives back $85/mo of your Part B premium | $6,750 | 4.0★ |
| Freedom Blue PPO Valor (PPO) Highmark Blue Cross Blue Shield · H8166-003-000 | PPO | $0/moGives back $70/mo of your Part B premium | $6,000 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-386-002 | PPO | $0/moGives back $60/mo of your Part B premium | $6,750 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $155–$664/mo from 27 companies, at age 65.
- Plan N: $116–$550/mo from 23 companies, at age 65.
Discussion
Questions and experiences from other visitors. Comment guidelines
Loading the discussion…