Best Medicare Supplement Plans in Pennsylvania

Medicare Supplement plans in Pennsylvania are Medigap policies that fill health care coverage gaps that Original Medicare doesn't. You can choose from 10 Medicare Supplement plans.

In Pennsylvania, Medicare Supplement Plan G offers the best plan benefits for 2022.

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High Deductible Plan G and Plan N are the second most popular after Plan G.

Best Comprehensive Coverage: Medicare Supplement Plan G

Medigap Plan G in Pennsylvania is rising in popularity because the only thing it won't pay for is the Medicare Part B deductible. Typically, the premium difference between this plan and Plan F makes up the difference.

Best Value: Medicare Supplement Plan N

Medicare Supplement Plan N in Pennsylvania is also rising in popularity. You can enjoy cheaper premiums if you are willing to accept more cost-sharing. However, you must pay copays for some doctors or ER visits. In addition, Medicare Part B excess charges will not be covered when you see providers who charge more than the federal Medicare program allows.

Best Low Cost Plan: High Deductible Plan G

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,490
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible

Best for Full Coverage: Medicare Supplement Plan F

Medigap Plan F in Pennsylvania has the most comprehensive suite of benefits and, of course, usually costs the most. Still, it has been the most common choice for a long time.

Top Medicare Supplement Insurance Companies in Pennsylvania

1. AARP/UnitedHealthcare

32.3%.

2. Highmark

12.7%.

3. Aetna

9.6%.

4. Cigna

4.9%.

5. Independence Blue Cross

4.5%.

Medicare Supplement Insurance Prices in Pennsylvania

The average monthly premium in Philadelphia, Pennsylvania, 19140, is about $158.

65-Year-Old Female Non-tobacco

Plan F $167.77 - $266.11

Plan G $134.36 - $190.59

Plan N $104.05 - $135.63

When can I apply for a Medicare Supplement plan?

Annual Election Periods for Medicare Advantage and Part D prescription drug plans do not apply to Medigap enrollment.

Medigap Open Enrollment Period

  • Offered for a six-month duration.
  • It starts on the first of the month you turn 65 or older.
  • It is accessible only if you are enrolled in Medicare Part B.

Under 65

Some states require private insurance companies to offer Medigap policies to certain people under 65, and Pennsylvania is one of these states. You can sign up for a Medicare Supplement insurance plan in Pennsylvania under age 65 if your Medicare eligibility is based on a disability or end-stage renal disease (ESRD).

Outside Medigap Open Enrollment

Though you can apply for Medigap insurance outside open enrollment, an insurer can impose:

  • Medical underwriting requirements.
  • Waiting periods before pre-existing conditions are covered.
  • Higher pricing or application denial due to health conditions.

Exceptions are made for beneficiaries with guaranteed issue rights.

Guaranteed Issue Rights

Examples of scenarios where guaranteed issue rights may apply in Pennsylvania:

  • You have a Medicare Advantage plan that either no longer partners with Medicare or discontinues coverage in your service area.
  • You enrolled in Medicare Advantage or Medicare SELECT and then relocated out of the plan's service area.
  • You are covered under Original Medicare and an employer or union group health insurance plan, and now you are losing the group plan coverage.
  • You have a trial right because you are changing from a Medicare Advantage plan or Program of All-Inclusive Care for the Elderly (PACE) within the first year of joining.
  • You have a trial right because you previously had Medigap insurance, which you dropped to join Medicare Advantage or Medicare SELECT, and you want to switch back within a year.

FAQ:

When can I change Medigap plans?

You may be able to switch Medigap policies if you:

  • Have guaranteed issue rights.
  • Are you within your Medigap Open Enrollment time frame.

Can I be denied Medigap coverage?

Suppose you apply outside the Medigap Open Enrollment Period and have no guaranteed issue rights. In that case, a Medicare insurance company can decline your application based on your health history or current health conditions.

Pennsylvania State Links:

This summarizes some highlights of Medicare beneficiaries in the state:

  • Pennsylvania beneficiaries with a Medicare Advantage plan: 1.1 million.
  • Beneficiaries with a Medicare Supplement plan in Pennsylvania: About 650,000.
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