Best Medicare Plans in Pennsylvania
Medicare in Pennsylvania might be on your mind these days if you’re a senior who is preparing to sign up for original Medicare insurance. In addition to learning about some of the best Medicare plans in Pennsylvania and what Medicare coverage is included, you’ll also want to learn about the best Medicare plans and their benefits.
Overview of Medicare in Pennsylvania
If you’re like many, you might not know much about Medicare in Pennsylvania. It can be a bit confusing to navigate the world of Pennsylvania Medicare, but we’re here to help.
First, you’ll need to sign up for Medicare Part A, which is a hospital insurance program. If you paid into the Medicare system during your working years, then you shouldn’t have to pay a premium for Medicare Part A.
Next, you can sign up for Medicare Part B, which requires monthly premiums — the Medicare Part B premium. Medicare Part B is your health insurance option that pays for your health care providers, including temporary skilled nursing care in a nursing home or skilled nursing facility, doctor’s visits and more.
Once you are enrolled in original Medicare Part A and Part B, you can start looking into stand-alone Medicare Advantage plans and Medicare Supplement plans. If possible, do this during your Initial Medicare Enrollment Period.
You should also look into Medicare Part D. Signing up for one of the Medicare prescription drug plans as soon as you’re eligible will help you avoid the Medicare Part D late enrollment penalty.
Enrollment Statistics for Medicare in Pennsylvania
- There are almost 2.7 million Pennsylvania beneficiaries of Medicare.
- In some counties, Medicare beneficiaries in Pennsylvania can choose from more than 60 Medicare Advantage options.
- More than 660,000 Medicare beneficiaries in Pennsylvania have Medigap plans.
Best Types of Medicare Plans in Pennsylvania
If you’re worried about the cost of copayments, deductibles and coinsurance, you may want additional coverage. Pennsylvania beneficiaries can compare benefits and rates for these different Medicare plans in Pennsylvania to find their best choice.
- Medicare Advantage Plans in Pennsylvania – Commonly referred to as Medicare Part C, Medicare Advantage refers to purchasing insurance through a private insurance company. The insurance company will then provide you with your Medicare benefits and may provide additional benefits like dental, vision and hearing. Some of these plans include prescription drug plans, too. If you choose a health maintenance organization (HMO) or preferred provider organization (PPO), which is most common with Advantage plans, you’ll have service area network restrictions. There
also a Medicare medical savings account (MSA) plans and private fee-for-service (PFFS) plans. PFFS cost-sharing plans don’t have provider network restrictions but may result in higher out-of-pocket costs for healthcare costs when compared to other health plans from companies with top star ratings. is
- Medicare Supplement Plans in Pennsylvania – Commonly referred to as Medigap, these Medicare plans in Pennsylvania supplement your original Medicare insurance. Some plan options for Medicare Supplement insurance have low monthly premiums but don’t offer as much coverage. More popular plans like Plan F have higher rates, but beneficiaries can enjoy more benefits.
- Special Needs Plans (SNP) – Special needs plans are Medicare plans in Pennsylvania that are designed for those with end-stage renal failure or other serious health conditions.
- Medicare Part D Coverage (PDP) – If you’re a Medicare beneficiary who doesn’t have prescription drug coverage as a part of your Pennsylvania Medicare Advantage plan, then you’ll want to sign up for one of these plans. Be aware that some prescription drug benefits have pharmacy network restrictions; this is common with Medicare Advantage prescription drug plans.
Pennsylvania Medicare Resources
Signing up for Medicare in Pennsylvania and understanding your benefits through the federal government is easy with these resource links.
- CMS: Centers for Medicare and Medicaid Services
- Pennsylvania Medical Assistance for Older People and People With Disabilities
- Pennsylvania Department of Aging
After checking out the resources above, come back to our site or give us a call to talk to one of our insurance agents. We’ll help you compare options so that you can make the most of Medicare in Pennsylvania without paying the higher costs of your healthcare.