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 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.
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Sources:
MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.
- Medicare Supplement, PA Insurance. Accessed April 2022.
https://www.insurance.pa.gov/Coverage/Pages/Medicare-Supplement-.aspx - What is Medicare Supplement Insurance, . Accessed April 2022.
https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap - Medigap, CMS . Accessed April 2022.
https://www.cms.gov/Medicare/Health-Plans/Medigap
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?
Hi Donna! If you are getting any amount of your Part B premium reduced, you do not have a Medicare Supplement plan, you have a Medicare Advantage plan. There are some Medicare Advantange plans that offer the Part B give-back benefit. I would recommend calling your bother’s local SHIP department to see was free resources are available for him. He may be dual-eligible for Medicaid & Medicare and qualify for a low-income subsidy.