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Pennsylvania Medicare Supplement (Medigap) Plans


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

Medigap plans in Pennsylvania offer benefits that complement Original Medicare. Although Medicare Supplement plans are standardized, your experience between carriers can differ for the same policy. Explore the ins and outs of Medicare Supplement plans in PA and learn how to select the best option for your healthcare.

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Medicare Supplement Plans in Pennsylvania (PA)

There are twelve available Medicare Supplement plans in PA. To determine the best option for you, you’ll need to consider both benefits and costs. Historically, Medicare Supplement Plan F, Plan G, and Plan N are the most popular among the hundreds of thousands of seniors enrolled in Pennsylvania.

Medicare Supplement Plan F in Pennsylvania

Due to its comprehensive coverage, Medicare Supplement Plan F (Medigap Plan F) is a longstanding favorite Medicare Supplement plan in PA. However, due to changes in Medicare over recent years, new Medicare beneficiaries – meaning anyone eligible for Medicare after January 1, 2020 – are no longer eligible for Medigap Plan F.

Medicare Supplement Plan G in Pennsylvania

Because of the eligibility changes to Medigap Plan F, Medicare Supplement Plan G (Medigap Plan G) now offers a more complete form of 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.

Medicare Supplement Plan N in Pennsylvania

Medicare Supplement Plan N (Medigap Plan N) is another top plan among seniors in Pennsylvania. Medicare Supplement Plan N offers similar benefits to Plan G. However, when you choose this option, you are also responsible for $20-$50 copayments at the doctor and emergency room, respectively.

Additionally, Medicare Supplement Plan N does not cover Medicare Part B excess charges. Luckily, while most states allow Medicare excess charges, Pennsylvania is one of the few prohibiting them. However, if you receive care in a state that allows excess charges, you will need to pay them, and the fact that your primary residence is in Pennsylvania will not matter.

Each of the Medicare Supplemental plans in PA brings different value to each senior. The best plan for you depends on your health and budget needs. However, Medicare Supplement Plan N can make more sense if you are looking for lower premiums and have fewer medical needs.

For seniors in Pennsylvania looking to get better protection through more benefits, Medigap Plan G or Plan F, for those eligible, are often the better option.

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What is the Cost of Medicare Supplements in PA?

The cost of Pennsylvania Medicare Supplement plans will vary. On average, a Medicare Supplement plan in PA ranges between $50-$300 per month, depending on the plan letter and many other factors.

Since Medicare Supplement benefits in PA are standardized, the cost is one of the most critical elements to consider when choosing your coverage.

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 Medicare Supplement plans in Pennsylvania. Thus, it is important to compare plans and carriers to find the best option for your needs.

The charts below showcase a Medicare Supplement (Medigap) cost comparison for residents of PA using sample premium rates for a 65-year-old male and female compared to a 75-year-old male and female Medigap beneficiary in the same Pennsylvania ZIP Code.

Female, No Tobacco, Pennsylvania ZIP Code 19120
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $145-$517* $180-$517*
Medicare Supplement Plan G $125-$477 $149-$477
Medicare Supplement Plan N $96-$437 $118-$437
Male, No Tobacco, Pennsylvania ZIP Code 19120
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $166-$583* $203-$583*
Medicare Supplement Plan G $140-$538 $171-$538
Medicare Supplement Plan N $109-$493 $133-$493

* If on Medicare before 1/1/20

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The sooner you sign up for a Medigap plan, the lower your premium price will be. It’s always advised that seniors in Pennsylvania take advantage of their Medigap Open Enrollment Period rather than waiting.

Your costs include both your premium and miscellaneous out-of-pocket costs as required by your Medicare Supplement plan.

Companies Offering Medigap Plans in PA

In Pennsylvania, you have plenty of options for Medicare Supplement (Medigap) plans. Top-rated brands with a wealth of products are offering many different choices to fit your coverage needs.

Seniors looking for the best Medigap plans in PA for their needs have options. Here are some of the most popular carriers available to residents of the Keystone State:

  • Aetna
  • Bankers Fidelity
  • Blue Cross Blue Shield (BCBS) of Pennsylvania
  • Capitol Life
  • Cigna
  • GPM
  • Humana
  • Lumico Life Insurance
  • Manhattan Life
  • Mutual of Omaha
  • National General
  • United American
  • UnitedHealthcare

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 people enroll in a Medicare Advantage plan while under 65 and use their second Medicare Supplement Open Enrollment Period at age 65 to pick up a Medicare Supplement policy once they qualify for lower premiums.

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Additional Medicare Coverage Options in PA

In Pennsylvania, additional coverage options are available for those who enroll in Original Medicare. When you choose a Medicare Supplement plan, you should also research Medicare Part D policies for prescription drug coverage. Neither Original Medicare nor any currently available Medicare Supplement option provides this coverage.

Ancillary dental, vision, and hearing plans are also available to those on Medicare in Pennsylvania. Original Medicare does not include comprehensive coverage for these needs and thus, neither does Medigap. With Original Medicare, a Medicare Supplement plan, Medicare Part D, and an ancillary policy, you will have the most comprehensive Medicare coverage possible.

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

However, it’s important to note that you cannot have a Medigap plan and a Medicare Advantage plan simultaneously.

What is the Best Medicare Supplement Plan in Pennsylvania?

Again, your health and budget needs will determine the best Medicare Supplement (Medigap) plan for you as a Pennsylvania resident.

Necessary health benefits, monthly premium budgets, and other requirements vary from senior to senior. Thankfully, there are plenty of options available. Speaking with a licensed agent can help you make an informed decision and select the best option for your needs.

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Do Medicare Supplement Plans Have Pre-Existing Conditions in Pennsylvania?

A Medicare Supplement (Medigap) plan will not restrict your enrollment due to pre-existing conditions if you sign up during your Medigap Open Enrollment Period. During your Medicare Supplement Open Enrollment Period, you have guaranteed issue rights, meaning private insurance companies can neither deny you Medigap coverage nor raise your rates because of pre-existing health conditions.

Seniors who fail to sign up for Medigap during their Open Enrollment Period may be subject to higher premiums or denied coverage altogether because of pre-existing health conditions.

A waiting period of up to six months before coverage begins may affect seniors in PA when enrolling outside of the Medigap Open Enrollment Period.

Which Medicare Supplemental Plans Have SilverSneakers in PA?

Very few Medigap plans offer Medicare gym membership benefits. Therefore, whether you can find a Medicare Supplement plan with SilverSneakers in Pennsylvania – or anywhere – depends on the plans available through carriers offering SilverSneakers in your ZIP Code.

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However, SilverSneakers is not the only fitness and wellness program Medicare plan carriers offer. Our licensed agents can help determine whether there is a plan near you that offers this type of benefit.

Does Medigap Cover Psychologist Visits in PA?

Medigap covers what Original Medicare covers, so the Medigap plan will pick up the coinsurance balance of any mental healthcare services that Part A or Part B covers. What’s covered by Medigap plans in Pennsylvania is standardized. However, the plans available to you will vary from location to location.

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 you to make informed decisions for your healthcare 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 agents are here to help and provide services and expertise at no cost.

Give us a call today at the phone number above. Can’t call now? Complete our online rate form to get premium quotes for the best Medicare Supplement plan in PA for your healthcare needs.

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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.

  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 (Medigap) Plans

  1. 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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