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Pennsylvania Medicare Supplement Plans in 2022


Medicare Supplement (Medigap) plans help lower your out-of-pocket costs from Original Medicare. When choosing a Medicare Supplement plan, there are several factors to consider.

Medigap plans in Pennsylvania offer benefits that complement Original Medicare (Medicare Part A and Part B). Although Medicare Supplement plans are standardized, your experience between carriers can differ for the same policy. Below, you will find what you need to know about Medicare Supplement plans in PA.

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What is the Best Medicare Supplement Plan in Pennsylvania?

There are twelve available Medicare Supplement plans in PA. To determine which of these plans is the best for you, you must consider both benefits and cost. Historically, Medicare Supplement Plan F, Plan G, and Plan N are the most popular among beneficiaries.

Due to its comprehensive coverage, Medigap Plan F is a longstanding favorite Medicare Supplement plan in PA. However, due to changes in Medicare over recent years, new Medicare beneficiaries are no longer eligible for Medigap Plan F.

Now, Medicare Supplement Plan G offers the most complete coverage for the newly Medicare-eligible in Pennsylvania. Medigap Plan G covers almost every benefit Plan F does, except for the Medicare Part B deductible. Even after meeting the deductible, eligible policyholders often see annual savings by choosing Medigap Plan G over Plan F.

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Lastly, Medicare Supplement Plan N is a top plan among beneficiaries in Pennsylvania. Medicare Supplement Plan N offers similar benefits to Plan G. However, you will also be responsible for $20-$50 copayments when you visit the doctor or emergency room.

Additionally, Medicare Supplement Plan N does not cover excess charges. Yet, excess charges are not an issue when receiving care in Pennsylvania. Most states allow Medicare excess charges, but Pennsylvania is one of the few prohibiting them.

Each of these plans brings different value to each beneficiary. The best plan for you depends on your health and budget needs.

What is the Cost of Medicare Supplements in PA?

The cost of a Medicare Supplement plan in PA can range between $50-$300, depending on the plan letter and other factors. Since Medicare Supplement plans are standardized, the cost is one of the most critical elements to consider when choosing a Medicare Supplement plan.

Monthly premium costs can vary from plan to plan and between carriers. Individual factors such as age, tobacco usage, household discounts, and gender can impact the price you pay for your Medicare Supplement plan in PA. Thus, it is important to compare plans and carriers to find the best option for your needs.

Under 65 Medigap Plans in Pennsylvania

If an insurance carrier offers Medigap plans in PA, they must provide at least one Medicare Supplement option to Medicare beneficiaries under age 65 who qualify due to a disability. Often, when you enroll in a Medicare Supplement plan under age 65, the premium is much higher than if you age into Medicare at 65.

Due to these higher premiums, many beneficiaries enroll in a Medicare Advantage plan while under 65 and use their second Initial Enrollment Period at age 65 to enroll in a Medicare Supplement plan once they qualify for lower premiums.

Additional Medicare Coverage Options in PA

In Pennsylvania, additional coverage options are available alongside Original Medicare. When you enroll in a Medicare Supplement plan, you should also research Medicare Part D plans for prescription drug coverage. Dental, vision, and hearing plans are also available to add to your coverage. With this combination, you will have the most comprehensive Medicare coverage possible.

If a Medicare Supplement is not the coverage you are looking for, Medicare Advantage plans are also available for beneficiaries in Pennsylvania. These plans stand in for your Medicare Part A and Part B coverage and often include coverage for prescription drugs, dental, vision, and hearing – bundled under the same policy. However, you cannot have a Medigap plan and a Medicare Advantage plan simultaneously.

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FAQs

How do I apply for Medicare in Pennsylvania?
You can apply for Medicare Part A and Part B online, over the phone, or in-person at your local Social Security office.
What kind of Medicare coverage is best for a diabetic in Pennsylvania?
If you are looking for the most comprehensive coverage, you will want Original Medicare with Medigap and a Medicare Part D plan. If you require insulin, it is important to find the best Medicare Part D plan to cover your medications.
Who do I contact about receiving Extra Help to pay for Medicare Part D in Pennsylvania?
To apply for Extra Help, you must contact your local Social Security office. If you meet specific criteria, Extra Help will assist in covering your Medicare Part D costs.

How to Find a Medicare Supplement Plan in PA

If you are looking for a Medicare Supplement plan in Pennsylvania, we are here to help. At MedicareFAQ, we educate and empower beneficiaries to make informed decisions for their health care coverage.

With so many plans available from top Medicare Supplement companies, we know how difficult it can be to find the right coverage option. Our services and expertise don't cost you anything. We genuinely care about your coverage, and we always treat you like family.

Give us a call today at the phone number above. Can’t call now? Complete our online rate form to see rates for plans in your area.

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Sources:

  1. Medicare Supplement, PA Insurance. Accessed April 2022.
    https://www.insurance.pa.gov/Coverage/Pages/Medicare-Supplement-.aspx
  2. What is Medicare Supplement Insurance, . Accessed April 2022.
    https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap
  3. Medigap, CMS . Accessed April 2022.
    https://www.cms.gov/Medicare/Health-Plans/Medigap

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

6 thoughts on “Pennsylvania Medicare Supplement Plans in 2022

  1. I make too much on SS disability and pension to qualift for ANY extra help from anywhere: Ss, PA medicaid, etc. I am 63, have had original Medicare A and B for a fewcyears, but was just diagnosed with breast cancer in April, 2021. I guess finding an affordable Medigap policy now is out of the question, huh?

    1. Elaine, unfortunately at this time, a cancer diagnosis will cause you to be denied with any supplemental carrier unless you qualify for a Special Enrollment Period. However, when you turn 65, you will be eligible for a second Open Enrollment Period and will be eligible to enroll in a Medigap plan during this time.

  2. I’m 66 living in Pennsylvania and been on ssi for 10+ yrs. I also get $144.00 from the VA, a 10% disability for a TBI. I currently pay $144.00/ mo for “part B” If I get an “advantage plan” will I still have to pay $144.00 for Part B?

    1. Hi Brian! Yes, you will still have to pay the Part B premium since you have to be enrolled in Part B in order to enroll in Medicare Advantage.

  3. My brother is 75, living on SS, barely making ends meet. I live in fl and Mx so its hard for me to help him… but I have a supplemental plan that reimburses my part B. Is there anything like that in Pa?

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