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Best Medicare Supplement Plans in Pennsylvania – F, G & N Benefits

The best Medicare Supplement insurance plans in Pennsylvania provide extra insurance that helps you cover your share of healthcare costs. Original Medicare insurance (Medicare Part A and Medicare Part B) has an approved amount for each service provided. It pays 80% of that amount. You are responsible for the remaining 20%. That 20% includes:

  • Coinsurance
  • Copayments
  • Deductibles

Since the amount Original Medicare does not cover can be considerable, Medicare Supplement plans in Pennsylvania help bridge the gap. That is why these Medicare Supplement insurance plans are often called Medigap policies.

Only those enrolled in Medicare Part A and Part B qualify for Medigap plans in Pennsylvania. All Medigap policies must be clearly labeled as Medicare Supplement insurance plans.

Best Types of Medicare Supplement Plans in Pennsylvania

To help cover the out-of-pocket expenses not covered through Original Medicare insurance, a Pennsylvania Medicare beneficiary can choose from 10 Medicare Supplement plans. Here’s what you need to know to find the best Medicare Supplement insurance plan in Pennsylvania:

  • A letter designates each plan, such as Plan G or Plan D.
  • Under federal rules, the Medigap plans in Pennsylvania are consistent. That means Plan G offers the same benefits regardless of which insurance company sells it.
  • Each plan offers different benefits. For example, Plan G pays 100% of your Part A and Part B coinsurance. Plan L pays 75%.
  • Although plan benefits are standard throughout the state, premiums are not. Each Medicare insurance company sets its rates.
  • Rates can differ based on where you live.
  • Medicare Supplement plans in Pennsylvania are guaranteed renewable as long as you pay your premiums on time.

Because the benefits and premiums can vary so much, you should shop around and compare to find the best Medicare Supplement insurance Plan in Pennsylvania. The best plan is not always the cheapest, nor is it the most expensive. 

Understanding how a Medicare insurance company sets its rates is key to finding the best Medicare Supplement Insurance plan in Pennsylvania. The way the insurer calculates its rates determines what your premium will be in the future. Insurance companies can choose from three methods:

  • Attained age: Your premium rises as you age.
  • Issue age: The insurance company bases your premium on your age when you buy the Medigap policy in Pennsylvania.
  • Community rating: The insurer charges all Medigap policyholders the same premium.

Most insurance companies in the Keystone State use the attained age method. Again, to find the best rate, shop, and compare.

Medigap insurance does not pay for prescription drugs. To get drug coverage, you have to buy a separate policy. There are other things that Medicare Supplement insurance plans in Pennsylvania do not cover:

  • Dental
  • Vision
  • Hearing aids
  • Eyeglasses

Benefits of Medicare Supplement Plan F in Pennsylvania:

Many Medicare beneficiaries want to sign up for the Pennsylvania Medicare Supplement that offers the most coverage & benefits. You might not mind paying a slightly higher monthly premium for a Medicare plan that covers more out of pocket costs throughout the year.

Medigap Plan F in Pennsylvania is wildly popular among those who are shopping for Pennsylvania Medicare Supplement plan F because all of these things are covered:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Benefits of Medicare Supplement Plan G in Pennsylvania:

Another one of the plan options that you should explore is Medigap Plan G in Pennsylvania. It’s a health insurance plan that covers everything that Plan F benefits cover, other than the Medicare Part B deductible. It’s usually quite a bit cheaper than Plan F, too.

  • Does NOT cover Medicare Part B deductible

Benefits of Medicare Supplement Plan N in Pennsylvania:

Plan A or another simple, affordable plan might be appealing because of the low monthly premiums. A plan that offers a little more coverage on top of what the federal government’s Medicare program covers is Medigap Plan N in Pennsylvania. It’s a good balance between affordability and great coverage and benefits.

  • Does NOT cover Part B Deductible
  • Does NOT cover Part B excess charges
  • Requires $20 copay for office visits
  • Requires $50 copay for Emergency room visits

Medicare Supplement Plans in Pennsylvania: When Can I Enroll?

Federal guidelines govern when you can enroll in Medicare Supplement insurance plans in Pennsylvania. Called your Medigap open enrollment period (OEP), it is a six-month period that starts when you meet two conditions:

  • You are 65 or older or you are under age 65 due to a disability. 
  • You are enrolled in Medicare Part B.

If you apply for a Medicare Supplement insurance plan in Pennsylvania during your initial enrollment period, you have certain guaranteed rights:

  • You don’t have to undergo medical underwriting.
  • An insurance company cannot deny coverage based on pre-existing conditions, although you might have a waiting period.

Except in limited situations, if you apply for Medigap insurance outside of your OEP, or you switch policies, you are not guaranteed these issue rights.

Under federal guidelines, if you are under age 65 and qualify for Original Medicare, there are no guarantees that you can get Medigap coverage. Pennsylvania law, however, requires insurers to sell Medigap policies to anyone, regardless of age, as long as you apply for a Medicare Supplement insurance plan within six months of signing up for Part B. This means you should not wait after signing up for the federal Medicare program to contact an insurance agency.

Now is also a fantastic time to talk to an insurance agent about Medicare Part D prescription drug plans. Signing up sooner rather than later is the best thing to do. There are different drug plans available that will help you save on medication since prescription drug coverage is not provided by Medicare or a Medicare Supplement.

Medicare Supplement Plans in Pennsylvania: Enrollment Statistics

Along with five other states, Pennsylvania ranks sixth in the country for elderly residents, with nearly 18% of its population aged 65 years or older. Here are some quick facts about the Keystone State’s Medicare population:

  • As of November 2018, roughly 2.7 million residents had Medicare coverage.
  • 59% of Medicare beneficiaries have Original Medicare insurance.
  • Almost 661,000 Medicare beneficiaries have a Medigap policy through a private Medicare insurance company.
  • About 41% of Medicare beneficiaries have standalone Part D coverage.
  • Average rates in 2018 for Medigap plans in Pennsylvania were $140 a month.
  • The most popular Medigap policies bought in 2015 were Plans F and C.

Pennsylvania’s total population is reaching 12.4 million. Out of 67 counties, here are the five largest:

  • Philadelphia
  • Allegheny
  • Montgomery
  • Bucks
  • Delaware

Pennsylvania Medicare Resources

From Pittsburgh to Philadelphia and beyond, Pennsylvania residents can use these resources to learn more about Medicare:

Pennsylvania Department of Aging

Pennsylvania Department of Human Services

Pennsylvania Health Law Project

Medicare.gov – The official United States site for the Medicare program

To learn about Supplements and Part C Medicare Advantage plans, contact us. We will talk to you about your options and help you sign up for a plan that is right for you!

Related Topics for Comparing Medicare Supplement Companies and Plans in PA

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.

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