Best Medicare Supplement Plans in Pennsylvania 2024
Pennsylvania offers ten standardized Medicare Supplement plans. Standardized means Medigap Plan G has the same benefits in Philadelphia as in Pittsburgh.
Of the ten options available, Medicare Supplement Plan G is the best plan for Pennsylvania residents in 2024. This is because it offers affordable rates and low out-of-pocket costs.
Additionally, the second-best option is Medicare Supplement Plan N.
Medico Insurance Company provides the most competitive rates for Plan G at $113 per month. American Home Life Insurance Company offers the best rates for Plan N at $87 per month.
Take a look at this list of the top four plans with benefit highlights:
Medicare Supplement Plan G
- Medicare Plan G offers the same coverage as F except for the Part B deductible.
- Comprehensive benefits include the Part A deductible, copayments, and coinsurance.
- Covers 29% of the state enrollees at 207,386 individuals.
- The best alternative to Plan F for eligible Medicare beneficiaries.
Medicare Supplement Plan N
- Medicare Plan N lower premiums for beneficiaries willing to accept some out-of-pocket costs.
- Nearly 105,000 beneficiaries are currently enrolled.
- Benefits do not include Part B excess charges or deductibles.
- Requires copayments up to $20 for doctor’s office visits and up to $50 for emergency room visits.
- ER copayment is waived if the patient is admitted.
High-Deductible Medicare Plan G
- High Deductible Plan G has substantially lower premiums than the original Medicare Plan G.
- A beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
- After the $2,700 deductible is satisfied, all the Plan G benefits apply.
Medicare Supplement Plan F
- Plan F has the most comprehensive benefit level; however, the beneficiary must have a Medicare start date before 1/1/20.
- Covers the highest number of enrollees (41%) at 222,927.
What’s the Most Popular Medicare Supplement Company in Pennsylvania?
After examining multiple factors, we have determined that Medico Insurance Company offers the most competitive rates for Plan G in Pennsylvania.
However, when selecting a Medicare Supplement provider, it’s important to consider more than just cost. Each company has its benefits and drawbacks based on its coverage methods.
To help you make an informed decision, we have provided a comparison chart of Pennsylvania’s Medico and other Medicare Supplement companies. The chart includes sample premiums and ratings to aid in your search for the right provider.
| Company | AM Best Rating | Plan G Rates | Plan N Rates | Plan D Rates | Plan F Rates |
|---|---|---|---|---|---|
| Medico Insurance Company (Preferred) | A | $113.53 | $88.18 | n/a | $137.45 |
| Ace Property and Casualty Insurance Company | A++ | $117.17 | $88.67 | n/a | $135.00 |
| Humana Insurance Company | A- | $120.49 | $90.33 | n/a | $145.04 |
| American Home Life Insurance Company | B++ | $121.57 | $87.64 | n/a | $147.54 |
| SBLI USA Life Insurance Company, Inc (Prosperity) (Preferred) | A- | $123.91 | $90.87 | n/a | $133.75 |
| AFLAC | A+ | $127.07 | $93.63 | n/a | $154.34 |
| American Benefit Life Insurance Company | A- | $127.31 | $96.01 | n/a | $162.61 |
| Highmark Blue Cross Blue Shield (Preferred) | A | $128.25 | $139.60 | $124.45 | $189.85 |
| United States Fire Insurance Company | A | $133.58 | $94.67 | n/a | $156.17 |
| Capitol Life Insurance Company | A- | $133.90 | $97.35 | n/a | $178.36 |
| Elips Life Insurance Company | A | $134.83 | $105.33 | n/a | $155.42 |
| Manhattan Life Assurance Company | B++ | $138.33 | $101.00 | n/a | $161.17 |
| Aetna Health Insurance Company | A | $142.61 | $95.13 | n/a | $183.18 |
| United of Omaha Life Insurance | A+ | $144.71 | $96.20 | n/a | $175.63 |
| Heartland National Life Insurance Company | NR | $145.31 | $111.14 | n/a | n/a |
| Cigna National Health Insurance Company | A | $148.53 | $97.49 | n/a | $191.60 |
| Union Security Insurance Company | B++ | $151.84 | $112.36 | n/a | $200.58 |
| New Era Life Insurance Company of the Midwest | A- | $154.99 | $101.12 | $140.72 | $190.74 |
| GPM Health and Life Insurance Company | A- | $172.20 | $94.65 | $170.83 | $231.61 |
| Bankers Fidelity Assurance Company (Preferred) | A- | $173.90 | $131.82 | n/a | $236.65 |
| United American Insurance Company | A | $184.00 | $193.00 | $184.00 | $248.00 |
| Guarantee Trust Life Insurance Company | A- | $190.00 | $154.60 | n/a | $231.77 |
How Do You Select a Medigap Plan in Pennsylvania?
Consider the following factors when determining the best Medicare Supplement plans in Pennsylvania for you:
- Minimum and maximum budgets
- Personal health care needs
- Location
- Medical history (if medical underwriting is required)
- Ratings and reviews of the insurance provider you’re considering
Take a look at our comprehensive Medicare Supplement Plans Comparison Chart to gain valuable insights into the different plans offered.
We’re Here to Help
We have expertise in assisting Medicare beneficiaries in selecting the most suitable Medicare insurance options. Our collaboration with some of the nation’s highest-rated Medigap carriers guarantees you receive the most excellent service.
You can contact us today to acquire more information or request a quote online.
Frequently Asked Questions:
Medico, American Home Life Insurance Company, United Healthcare, Aetna, Cigna, and Mutual of Omaha have a long track record of providing excellent range at a competitive price.
Depending on the coverage provided, these plans range from $50 to $248 per month. The cost of Medicare Supplement plans in Pennsylvania can vary widely depending on the type of plan selected, age, gender, and other factors.
Plan G in Pennsylvania costs an average of $113-$190 a month for those who qualify.
Article Resources:
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Pennsylvania Medicare Supplement Coverage Guide
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
