Best Medicare Supplement Plans in Pennsylvania

Written by: 
Matt Kiggins
Last updated: 
Feb 8, 2023

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.

Here is a quick look at the best Medigap plans for 2023 in terms of coverage and costs.

Best Plan G:

Cigna Medicare Supplement Plan G

Cigna Plan G is a comprehensive Medigap plan that provides numerous benefits to its beneficiaries. This particular policy eliminates many out-of-pocket costs except for the Part B deductible.


When selecting Plan G, you'll benefit from several key advantages:

  • Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
  • No referrals are required.
  • Freedom to see any medical provider willing to accept Original Medicare.

Monthly Plan Cost: $95.50

*Quotes for a 65 year old non smoking female, in zip code 15010.

Best Plan N:

Cigna Medicare Supplement Plan N

For those seeking a cost-efficient solution, Cigna Medicare Plan N may be the ideal choice. This option is much more economical than other plans such as Medicare Plan F and G.


Benefits of this plan include (but are not limited to):

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out of pocket expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits


Monthly Plan Cost: $94.27

*Quotes for a 65 year old non smoking female, in zip code 15010.

Best High Deductible Plan G:

Aetna High-Deductible G

  • If you're in search of a budget-friendly option for Medicare Supplement Plan G, Aetna High-Deductible Plan G is the ideal solution. Unlike its counterpart, this policy requires beneficiaries to pay a $2,700 deductible before accessing their benefits; yet it offers the same coverage once that deductible has been paid.

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

  • Cigna Plan F is the ideal Medicare plan for those seeking comprehensive coverage - providing greater benefits than all other plans. Not only does Plan F cover deductibles related to Parts A and B of Original Medicare, but it also covers coinsurances.

To be eligible for this plan, one must have enrolled in Original Medicare before January 1st 2020.


Monthly Plan Cost: $139.47

*Quotes for a 65 year old non smoking female, in 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.

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.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

Read Full Bio
Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

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