Best Medicare Supplement Plans in Pennsylvania

Written by: 
Matt Kiggins

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.

Of the 10 plans available, we found these three to be the most popular:

  • Cigna offers the best Medicare Supplement Plan G rates for 2023 in Pennsylvania, coming in at $95.50 per month.
  • Cigna also has excellent rates on Medicare Supplement Plan N, only $94.27 per month.
  • Aetna provides the most affordable option, with their High Deductible Plant G at $47.15 monthly being the cheapest available plan.

Below is an outline of the most popular plans offered in Pennsylvania.

Best Plan G:

Cigna 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.

Monthly Plan Cost: $95.50

*Quotes for a 65 Year Old non smoking female, zip code 15010.

Best Plan N:

Cigna 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.

Monthly Plan Cost: $94.27

*Quotes for a 65 Year Old non smoking female, zip code 15010.

Best High Deductible Plan G:

Aetna High-Deductible 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

Monthly Plan Cost: $47.15

*Quotes for a 65 Year Old non smoking female, zip code 15010.

Best Full Coverage

Cigna Medicare Supplement Plan F

For many years, Medicare Supplement Plan F was the number one plan. However, this changed in 2020 due to MACRA. MACRA stands for the Medicare Access and CHIP Reauthorization Act of 2015. This law prevents newly eligible individuals from having their Medicare Supplement plans cover the cost of the Medicare Part B deductible as of January 1, 2020. If you want to enroll in Plan F today, your Medicare Part B start date must be before Jan. 1st, 2020. Additionally, if you do not have any guaranteed issue rights, you must also pass medical underwriting.

Monthly Plan Cost: $139.47

*Quotes for a 65 Year Old non smoking female, zip code 15010.

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How Much Does a Medigap Plan Cost in Pennsylvania?

The best price for Medicare Supplement Plan G in Pennsylvania is $95.50 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Plan K

Monthly Cost

$139.47

$95.50

$94.27

$47.15

$95.50

$38.63

Plan Popularity in Pennsylvania

60%

45%

25%

15%

8%

-1%

Quotes are for sample purposes only. Prices are the average monthly rate in Pennsylvania for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

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%.

When can I apply for a Medicare Supplement plan?

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.

Author

Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

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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