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.

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.

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.

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.

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.

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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