Delaware Medicare Part D
There are 31 Delaware Medicare Part D plans to choose from
You can enroll in Part D coverage in one of two ways; you can join a Medicare Advantage plan that includes drug coverage or you can enroll in a stand-alone Part D plan. The following list includes 31 Part D plans available in Delaware for 2012.
If you are going to stick with original Medicare or are interested in purchasing a Medicare supplement, you should also enroll in a Medicare drug plan. Enrolling in a Part D plan is not mandatory but aside from the obvious benefits of getting your prescriptions at a lower cost, you will incur a late enrollment penalty if you do not enroll when you are first eligible.
Part D 2012 Standard Benefit Model Changes
The following list is designed to give you an orderly overview of all stand-alone Part D plans available in Delaware. Unlike the list found at medicare.gov, plans are grouped by each insurance company with easily readable tables giving you the plan name, premium, deductible, type of plan, gap coverage and Medicare Star rating.
Use this list of Delaware Medicare Part D plans to narrow your list of choices prior to delving into individual plan websites. Doing so will give you the benefit of comparing plans that are similar based on criteria which is important to you.
Compare Quotes for Medicare Advantage Plans in Delaware
Delaware Part D
SilverScript Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CVS Caremark Value (PDP) | Basic | $33.30 | $320 | No Gap Coverage | 3 |
| CVS Caremark Plus (PDP) | Enhanced | $82.50 | $0 | No Gap Coverage | 3 |
CIGNA Medicare Rx
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CIGNA Medicare Rx Plan One (PDP) | Basic | $32.10 | $320 | No Gap Coverage | 2.5 |
Medco Medicare Prescription Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Medco Medicare Prescription Plan – Value (PDP) | Basic | $33.00 | $320 | No Gap Coverage | 4 |
| Medco Medicare Prescription Plan – Choice (PDP) | Enhanced | $89.70 | $150 | Many Generics | 4 |
Health Net
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Health Net Value Orange Option 2 (PDP) | Enhanced | $63.30 | $0 | No Gap Coverage | 3 |
| Health Net Orange Option 1 (PDP) | Basic | $34.80 | $320 | No Gap Coverage | 3 |
United American Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| United American – Preferred (PDP) | Enhanced | $43.00 | $120 | No Gap Coverage | 2.5 |
| United American – Select (PDP) | Basic | $33.10 | $320 | No Gap Coverage | 2.5 |
Medi-CareFirst BlueCross BlueShield
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| BlueRx Standard (PDP) | Basic | $87.10 | $150 | No Gap Coverage | 4 |
| BlueRx Enhanced (PDP) | Enhanced | $131.80 | $0 | Many Generics | 4 |
yle=”color: #ff6600;”>First Health Part D
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| First Health Part D Premier (PDP) | Basic | $32.30 | $250 | No Gap Coverage | 2.5 |
| First Health Part D Value Plus (PDP) | Enhanced | $23.40 | $0 | No Gap Coverage | 2.5 |
| First Health Part D Premier Plus (PDP) | Enhanced | $96.20 | $0 | Some Generics and Some Brands | 3.5 |
Community CCRx PDP
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Community CCRx Basic (PDP) | Basic | $32.80 | $320 | No Gap Coverage | 3 |
| Community CCRx Choice (PDP) | Enhanced | $89.20 | $0 | No Gap Coverage | 3 |
Aetna Medicare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Aetna CVS/pharmacy Prescription Drug Plan (PDP) | Basic | $26.00 | $320 | No Gap Coverage | 2.5 |
| Aetna Medicare Rx Premier (PDP) | Enhanced | $83.70 | $0 | Many Generics | 2.5 |
UnitedHealthCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| AARP MedicareRx Preferred (PDP) | Basic | $37.50 | $0 | No Gap Coverage | 3 |
| AARP MedicareRx Enhanced (PDP) | Enhanced | $89.70 | $0 | Some Generics | 3 |
Humana Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Humana Enhanced (PDP) | Enhanced | $43.80 | $0 | No Gap Coverage | 3 |
| Humana Complete (PDP) | Enhanced | $109.40 | $0 | Many Generics and Some Brands | 3 |
| Humana Walmart-Preferred Rx Plan (PDP) | Basic | $15.10 | $320 | No Gap Coverage | 3 |
HealthSpring Prescription Drug Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| HealthSpring Prescription Drug Plan -Reg 5 (PDP) | Basic | $33.30 | $320 | No Gap Coverage | 2.5 |
UniCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| MedicareRx Rewards Standard (PDP) | Basic | $43.80 | $320 | No Gap Coverage | 2 |
| MedicareRx Rewards Plus (PDP) | Enhanced | $105.80 | $0 | Some Generics | 2 |
WellCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| WellCare Signature (PDP) | Enhanced | $56.40 | $0 | No Gap Coverage | 3.5 |
| WellCare Classic (PDP) | Basic | $34.30 | $320 | No Gap Coverage | 3.5 |
Bravo Health
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| BravoRx (PDP) | Basic | $35.10 | $320 | No Gap Coverage | 2.5 |
EnvisionRx Plus
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| EnvisionRxPlus Silver (PDP) | Basic | $28.30 | $320 | No Gap Coverage | 2.5 |
| Rite Aid EnvisionRxPlus (PDP) | Enhanced | $59.40 | $0 | Some Generics | 2.5 |
Researching the Part D formulary – the next step
After you have narrowed your list to plans that meet your criteria, research each plan’s formulary. The formulary will not only include the list of all covered medications but will also indicate tier placement for each drug. If the plan covers some drugs in the coverage gap you can also make note of that as well.
The key to choosing the best Part D plan is the plan’s formulary. After all, if your drugs are not covered you’re wasting money. But there is also no reason to over insure with a high-premium enhanced formulary plan if you don’t require medications or take few generics. What may be best for a friend or family member may not be best for you.
When reviewing the formulary, don’t stop when you see that your drugs are included. Compare the tier placement of each drug against any other plan you may be considering. It’s not uncommon for drugs to be placed in different tiers by different companies. The tier placement of a drug will determine how much your copayment or coinsurance amount will be.
When comparing Delaware Medicare Part D plans it will be necessary to visit each plan’s website (once you have narrowed your list) to research their respective formularies.
Did you enjoy this post? Why not leave a comment below and continue the conversation, or subscribe to my feed and get articles like this delivered automatically to your feed reader.
Comments
No comments yet.
Leave a comment