Best Medicare Supplement Plans in Pennsylvania

Pennsylvania offers ten standardized Medicare Supplement plans. Standardized means that 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 Aetna, coming in at $132.00 per month for a 65-year-old female.

With Mutual of Omaha, the best rates on Plan N came in at $123.00 per month.

Medicare Supplement Plan options in Pennsylvania:

1. 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.

2. 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.

3. 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.

4. Medicare Supplement Plan F

Medicare Plan F benefits:

  • Medicare Part A coinsurance plus hospital charges up to 365 days after Medicare benefits have been exhausted.
  • Medicare Part B coinsurance or copayments
  • First three pints of blood
  • Medicare Part A hospice coinsurance or copayments
  • Skilled nursing facility (SNF) coinsurance
  • Medicare Part A deductibles
  • Medicare Part B deductibles
  • Medicare Part B excess charges (the difference between the doctor’s fee and the Medicare-approved amount)
  • Foreign travel emergency within plan limitations

How Much Does a Medicare Supplement Cost in Pennsylvania?

This sample’s average monthly rate is about $88.89 in 2023. The following table shows rates for Medicare Supplement Insurance plans applicable to a 65-year-old female nonsmoker living in Lycoming County, zip code 17745.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

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.

Pennsylvania Medicare Resources

Department of Aging

Department of Human Services

Health Law Project

Medicare.gov

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 plan selection process. In addition, we work closely with some of the nation’s top-rated carriers. 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 about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

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. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.