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Medicare Supplement Plans in Pennsylvania

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 is the Best Medicare Supplement Plan 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 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 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 $2,490 deductible is satisfied, all the Plan G benefits apply.

When Can I Apply for a 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.

How Much Does a Medigap Plan Cost in Pennsylvania?

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. For this sample, the average monthly rate is about $88.89 in 2022.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$108.37 - $157.10
Plan N$79.55 - $125.70

Who Sells Medicare Supplement 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

List of Pennsylvania Medigap Companies:

CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. Data from National Association of Insurance Companies; 2020 Medicare Supplement Insurance Experience Reports

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 some others play a part in your Medigap choice.

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. 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.

Related Topics

Pennsylvania Medicare Resources

Key Take Aways
  • In Pennsylvania, Plan G is the most popular plan for 2022.
  • Pennsylvania offers 10 Medicare Supplement Plans to choose from.
  • Go wherever Original Medicare is excepted with a Medigap Plan, no network limits.
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