Medicare Supplemental Insurance

Medicare Supplemental Insurance in Delaware, Maryland & Pennsylvania

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Don’t let gaps in Medicare coverage leave you exposed.
At Downes Insurance, we specialize in Medicare Supplement Insurance (Medigap) for residents of Delaware, Maryland, and Pennsylvania. If you’re enrolled in Medicare Part A and B, a Medigap plan can help pay the out-of-pocket costs Original Medicare doesn’t cover — like deductibles, copayments, and coinsurance.

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Our experienced, licensed agents will help you compare Plan G, Plan N, Plan F, and other top-rated options from multiple carriers — all at no cost to you.

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Why Choose Downes Insurance for Medigap?

• Independent agency — We shop multiple insurance companies on your behalf.

• Local experts — Based in Milford, DE, serving all of DE, MD & PA.

• No-cost consultations — You’ll never pay us for a quote or guidance.

• Trusted service since 1991 — Thousands of clients protected and counting.

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What Is Medicare Supplement (Medigap) Insurance?

Medigap plans are designed to work with Original Medicare (Parts A & B) to reduce your out-of-pocket expenses. These plans are standardized by the federal government and sold by private insurance companies. They help cover:

• Hospital coinsurance

• Skilled nursing facility costs

• Medicare Part A and B deductibles

• Emergency care when traveling abroad

• And more

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Serving Delaware, Maryland, and Pennsylvania Seniors

If you live in:

• Sussex, Kent, or New Castle County (Delaware)

• Eastern Shore or Baltimore area (Maryland)

• Southeastern Pennsylvania, including Chester, Delaware, and Lancaster counties

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We’ve got you covered with personalized Medicare advice.

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When Should You Enroll?

The best time to enroll in a Medicare Supplement plan is during your Medigap Open Enrollment Period, which starts the month you turn 65 and enroll in Medicare Part B. During this time, you can’t be denied or charged more for pre-existing conditions.

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Let’s Find the Right Medigap Plan for You

At Downes Insurance, our goal is simple: make Medicare easy.
Call us today at 302-422-8863 or click for a free, no-pressure quote. You’ll speak with a real local agent — not a call center.

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Areas We Serve:

• Delaware: Milford, Dover, Lewes, Rehoboth, Wilmington, Seaford, Georgetown

• Maryland: Kent Island, Easton, Cambridge, Salisbury, Annapolis

• Pennsylvania: Oxford, Kennett Square, West Chester, Lancaster, Philadelphia suburbs

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