Best Medicare Supplement Plans in Pennsylvania

Pennsylvania offers ten standardized Medicare Supplement plans. Standardized means Medigap Plan G has the same benefits in Philadelphia as in Pittsburgh.

Even though you have ten plan options, we found Medicare Supplement Plan G to be the best plan in Pennsylvania, based on affordable rates and the lowest out-of-pocket cost at the time of service.

We also found Medicare Supplement Plan N to be the second-best option.

The best rates on Plan G are with United Healthcare, which is $129 monthly for a 65-year-old nonsmoking male.

With Cigna, the best rates on Plan N came in at $103 per month for a 65-year-old nonsmoking male.

What Do Medicare Supplement Plans Cover?

Below is a list of the top four plans with coverage 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.
  • The best alternative to F for beneficiaries with an Original Medical start date after December 2019.

Medicare Supplement Plan N

  • Medicare Plan N lower premiums for beneficiaries willing to accept some out-of-pocket costs.
  • 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.

Based on our review of several key factors,¬†United Healthcare¬†is Pennsylvania’s top Medicare Supplement company.

Although United Healthcare Medigap plans may provide some of the most affordable options in Pennsylvania, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.

United Healthcare stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.

This chart compares United Healthcare with other Medicare Supplement companies in Pennsylvania. You’ll find helpful information here, like sample premiums and ratings.

Plan G CostCompanyFinancial Strength
$129United HealthcareA+
$150CignaA
$152AetnaA
65 y/o male, nonsmoker
Plan N CostCompanyFinancial Strength
$103CignaA
$105United HealthcareA
$105AetnaA
65 y/o male, nonsmoker

How Do You Select a Medigap Plan in Pennsylvania?

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 others plays a part in your Medigap choice.

How to Choose a Medigap Plan in Pennsylvania

As you compare plans available in your area, consider these factors:

Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, age, gender, tobacco use, and state of residence.

Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.

Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.

Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.

Frequently Asked Questions:

Who Is the Best Medicare Supplement Provider in Pennsylvania?

United Healthcare, Aetna, Cigna, and Mutual of Omaha have a long track record of providing excellent range at a competitive price.

What Is the Cost of Medicare Supplement Plans in Pennsylvania?

These plans range from $50 to $382 per month, depending on the coverage provided. The cost of Medicare Supplement plans in Pennsylvania can vary widely depending on the type of plan selected, age, gender, and other factors.

How Much Is Plan G in Pennsylvania?

Plan G in Pennsylvania costs $129-$225 a month on average for those who qualify.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

Article Resources:

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.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.