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Best Medicare Supplement Plans in Pennsylvania 2021

Once you are eligible for Medicare, you will discover that Original Medicare benefits do not cover everything, but Medicare Supplement plans in Pennsylvania can be your solution.

Medicare Supplement insurance plans, also known as Medigap, refer to standardized policies that address out-of-pocket costs. As its name implies, Medigap policies close certain gaps in Original Medicare benefits. They also contain select benefit provisions excluded from Original Medicare.

What are the Top 5 Medicare Supplement Plans in Pennsylvania?

Selecting the best Medigap plan in Pennsylvania is a personal journey. It’s important to pick the policy that works for your budget and unique health care needs. Keep in mind that no Medigap plan in Pennsylvania includes prescription drug coverage. The most popular Medicare Supplement plans in Pennsylvania at this time include:

1. Best Comprehensive Coverage: Medicare Plan F

  • Covers your Medicare Part A and B deductibles.
  • Comprehensive coverage includes coinsurance, copayments, excess charges, and most other out-of-pocket costs.
  • Only open to beneficiaries with Medicare Part B eligibility and an effective date prior to January 1, 2020.

2. Best for New to 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.
  • The best alternative to F for beneficiaries with an Original Medical start date after December 2019.

3. Best Value: Medicare Plan N

  • Lower premiums for beneficiaries willing to accept some out-of-pocket costs.
  • Benefits do not include Part B excess charges or deductible.
  • 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.

4. Best for Lower Premiums: High-Deductible Plan F

  • Substantially lower premiums than original Medicare Plan F.
  • The beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan F Medicare benefits apply.

5. Best for Cheapest Premiums: High-Deductible  Plan G

  • Substantially lower premiums than original Medicare Plan G.
  • A beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan G benefits apply.

What is the Best Supplemental Insurance to go with Medicare?

Comparing Pennsylvania Medicare Supplement insurance plans can get confusing. It’s a personal choice that every beneficiary must make, but our Policy Guides are always available to answer questions and guide you toward your best plan.

Which plan has the best benefits in Pennsylvania?

For the most comprehensive benefits, select Plan F or Plan G, depending on your Original Medicare start date. All Medicare Supplement plans in Pennsylvania require you to secure a separate prescription drug plan, which is an added expense.

How do I choose the best plan?

Consider the following factors when determining the best Medicare Supplement plans in Pennsylvania for your personal needs:

  • Minimum and maximum budgets
  • Health care needs
  • Location
  • Medical history (if medical underwriting is required)

Our knowledgeable Policy Guides can help you understand how each of these factors and some others play a part in your Medigap choice.

Which Medigap company offers the best rates in Pennsylvania?

Rates vary between zip codes and private health insurance companies. Some of the factors used to determine your premiums include:

  • Age
  • Gender
  • Smoking habits
  • Zip code

Please reach out to our Policy Guides if you want to compare rates before making your final selection.

What is the Average Cost for a Medicare Supplement Plan in Pennsylvania for 2021?

The following table shows rates for Medicare Supplement Insurance plans in Pennsylvania applicable to a 65-year-old female nonsmoker living in Lycoming County, zip code 17745. For this sample, the average monthly rate is about $88.89.

  • Medicare Plan G – $108.37 – $157.10 premium range – $127.20 average monthly premiums
  • High-Deductible G – $34.47 – $43.18 premium range – $39.51 average monthly premiums
  • Medicare Plan N – $79.55 – $125.70 premium range – $99.95 average monthly premiums

Common Medicare Supplement Questions in Pennsylvania:

What Companies Sell Medigap Plans in Pennsylvania?

You have many options when selecting a Pennsylvania Medicare insurance company. Every Medigap plan in Pennsylvania offers the same benefits regardless of the insurer, but all companies compete in rates. The following three are our preferred private health insurance companies due to their competitive rates, excellent customer service, and financial stability.

  • Cigna – Excellent Financial Strength
  • Aetna – Excellent Financial Strength
  • Mutual of Omaha – Superior Financial Strength

When Can I Apply for a Pennsylvania Medicare Supplement Plan?

To get the lowest premiums on a Medicare Supplement plan in Pennsylvania, apply during your Medigap Open Enrollment Period. That period starts the first day of the month you turn 65 and enroll in Original Medicare. It ends six months later.

During the Open Enrollment Period, you have guaranteed issue rights that prevent the Medicare insurance company from denying your application or submitting you to medical underwriting. That means all beneficiaries receive the same quoted rates despite medical history or pre-existing health conditions.

Medicare’s annual election period only applies to Medicare Part A, Part B, and Advantage plans.

Which is better, Medigap Plan G or Plan N?

Medigap Plan N and G are both solid Medicare Supplement insurance plans in Pennsylvania. While G comes with higher premiums, it’s more comprehensive. While N offers lower rates, it requires beneficiaries to pick up more of the out-of-pocket costs.

They both cover:

  • Part B deductible
  • Coinsurance for Part A
  • Hospital expenses
  • Blood (first three pints)
  • Part A coinsurance or hospice care copayment
  • Coinsurance for skilled nursing facilities
  • Emergency health care while traveling abroad

The differences:

  • Part B coinsurance is fully covered by G, but N includes copayments for emergency room visits and doctor’s office visits.
  • Part B excess charges are only covered by G.

Talking to one of our Policy Guides or a licensed insurance agent will help you compare rates and select the best Medigap policy for your service area.

What is Medicare Supplement Insurance?

Beneficiaries who feel the sting of out-of-pocket expenses with Original Medicare may consider enrolling in Medicare Supplement plans in Pennsylvania. Designed to fill the gaps or holes that create those out-of-pocket expenses, Medicare Supplement insurance plans are designed to work with the federal Medicare program.

Think of Medicare Supplement plans in Pennsylvania as backup plan options. They’re also known as Medigap policies, due to their intention of filling gaps in the original coverage.

The following points sum up how Medigap policies work:

  • Medicare beneficiaries sign up for Medigap policies and pay monthly premiums.
  • Original Medicare pays for all eligible expenses when medical care is obtained.
  • The Medigap policy picks up all remaining expenses within policy limits.

Is Plan G the best Medigap Plan in Pennsylvania?

How much does Plan G cost in PA?

Pennsylvania pricing for Medicare Plan G varies, depending on age, location, and tobacco use. For example, let’s compare monthly premiums for a female non-smoker aged 65 in two different zip codes:

  • Zip code 17745 – $127.20 average ($108.37 – $157.10 range)
  • Zip code 15003 – $139.00 average ($110.56 – $181.13 range)

What is the Plan G deductible in 2021?

There is no deductible for Medigap G. Beneficiaries enrolled in this policy are required to pay the Medicare Part B deductible, which is $203 for 2021.

What does Medigap Plan G cover in Pennsivlania?

Related Topics

Plan G by State

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Pennsylvania Medicare Resources

Key Take Aways
  • In Pennsylvania, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Pennsylvania to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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