County guide · Kent County, DE · 2027 plan year
Original Medicare vs Medicare Advantage in Kent County, DE
This guide lists 16 Medicare Advantage plans for 2027 in Kent County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 16
- $0 premium
- 9 plans
- Lowest in-network limit
- $5,900
- Highest in-network limit
- $9,850
In Delaware, a Medigap company must accept you later, but ask about the price
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. Since January 1, 2026, a Medigap company in Delaware must also accept you when you leave Medicare Advantage during a Medicare open enrollment period. The Delaware Department of Insurance lists these periods as October 15 to December 7 and January 1 to March 31. A company can make you wait up to 6 months for coverage of a health condition that you already have. The department gives two answers about whether your health can change the price, so ask before you count on a price.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H5216-308 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 (the plan pays back $119 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $1,566 | $4,696 | $10,156 |
| Aetna Medicare Advantra Signature (HMO)HMO from Aetna Medicare · Plan ID H3959-055 · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 19 services | $2,604 | $5,627 | $10,964 |
| Aetna Medicare Enhanced (HMO)HMO from Aetna Medicare · Plan ID H3959-102 · Medicare.govIts page is set for New Castle County, DE | $59 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 19 services | $3,307 | $5,683 | $11,062 |
| AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-142 · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 | $6,400 in network | 4 of 5 | 24 services | $2,514 | $5,775 | $11,294 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H4661-001 · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 | $9,850 in network | 2.5 of 5 | 20 services | $2,569 | $6,084 | $11,264 |
| AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-206 · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $6,200 | $12,064 |
| Complete Blue PPO Distinct (PPO)PPO from Highmark Blue Cross Blue Shield · Plan ID H8166-007 · Medicare.govIts page is set for Sussex County, DE | $167 plan + Part B $209.50 | $7,150 in network; $8,950 in and out of network | 3 of 5 | 17 services | $4,643 | $6,363 | $11,533 |
| Aetna Medicare Premier (PPO)PPO from Aetna Medicare · Plan ID H5521-095 · Medicare.govIts page is set for New Castle County, DE | $106 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,826 | $6,504 | $11,206 |
| HumanaChoice H5216-390 (PPO)PPO from Humana · Plan ID H5216-390 · Medicare.govIts page is set for New Castle County, DE | $7.90 plan + Part B $209.50 | $5,900 in network; $5,900 in and out of network | 4 of 5 | 24 services | $2,679 | $6,597 | $10,909 |
| HumanaChoice H5216-387 (PPO)PPO from Humana · Plan ID H5216-387 · Medicare.govIts page is set for New Castle County, DE | $43 plan + Part B $209.50 | $8,950 in network; $10,000 in and out of network | 4 of 5 | 24 services | $3,110 | $6,890 | $13,100 |
| AARP Medicare Advantage from UHC DE-0001 (PPO)PPO from UnitedHealthcare · Plan ID H2406-075 · Medicare.govIts page is set for New Castle County, DE | $23 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,505 | $7,122 | $12,340 |
| AARP Medicare Advantage from UHC DE-0002 (PPO)PPO from UnitedHealthcare · Plan ID H2406-100 · Medicare.govIts page is set for New Castle County, DE | $68 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $4,045 | $7,553 | $11,501 |
| Aetna Medicare Advantra Eagle Plus (HMO)HMO from Aetna Medicare · Plan ID H3959-056 · No drug coverage · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 (the plan pays back $125 of Part B) | $7,150 in network | 3.5 of 5 | 19 services | $1,367 | $8,991 | $27,275 |
| AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-143 · No drug coverage · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 (the plan pays back $125 of Part B) | $7,150 in network | 4 of 5 | 24 services | $1,302 | $9,551 | $29,420 |
| Freedom Blue PPO Valor (PPO)PPO from Highmark Blue Cross Blue Shield · Plan ID H8166-003 · No drug coverage · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $6,000 in network; $8,950 in and out of network | 3 of 5 | 17 services | $2,012 | $9,656 | $26,755 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-381 · No drug coverage · Medicare.govIts page is set for New Castle County, DE | $0 plan + Part B $209.50 (the plan pays back $128 of Part B) | $6,750 in network; $10,100 in and out of network | 4 of 5 | 24 services | $1,351 | $10,270 | $29,304 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Kent County, DE. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 19952 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 19952 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.