Delaware Medicare

Some of the carriers we represent in the state of Delaware are Aetna, Humana, AARP, CIGNA, and First Health. For more information on specific plans, view Medicare insurance plans by state when you enter your zip code above.

Plan costs and coverage change each year so it's best to check to see if your plan still meets your needs and budgets. There may be better health and/or drug plans available in 2010. The following shows the changes in the state of Delaware's Medicare

Benefit Parameters	2009	2010
Deductible	$295.00	$310.00
Initial Coverage Limit	$2,700.00	$2,830.00
Out-of-Pocket Threshold	$4,350.00	$4,550.00
Total Covered Drug Spend at OOP Threshold	$6,153.75	$6,440.00
Minimum Cost-Sharing in Catastrophic Coverage	$2.40/$6.00	$2.50/$6.30
LIS Co-payments	2009	2010
Institutionalized	$0	$0
Up to or at 100% FPL	$1.10/$3.20	$1.10/$3.30
Other LIS	$2.40/$6.00	$2.50/$6.30
Partial LIS Deductible/Cost-Sharing	$60/15%	$62/15%

State Assistance Programs

Delaware Pharmaceutical Assistant Program

The Delaware Pharmaceutical Assistant Program (DPAP) helps pay for prescription medications for elderly and/or disabled individuals who cannot afford the full cost of prescriptions. The program was made for those who don't have prescription insurance besides Medicare Part D, those whose income is at or lower than 200% the Federal Poverty Level, or those whose prescriptions costs surpass 40% of their income.

You are eligible for the program if you are a Delaware resident and:

You are at least 65 years of age or you are receiving Social Security Disability benets
Your income is at or below 200% of the Federal Poverty Level (FPL) or your prescription costs exceed 40% of your annual income.