Questions? Call for details. (888) 414-4547
Get a Quote
Select coverage type
Enter your zip code
Select Your State
Enter Your Zip Code

Best Medicare Supplement Plans in Pennsylvania 2020 – Comparison Chart

Do you have questions about the best Medicare Supplement plans in Pennsylvania for 2020? If you’re approaching your first enrollment for Medicare, consider how a Medicare Supplement plan can help protect against unexpected medical costs. Original Medicare contains gaps in coverage from coinsurance and deductibles can be filled in with a Medicare Supplement plan in Pennsylvania.

Your first question will probably be about the cost of a Medicare Supplement plan. Take advantage of our online quote form by selecting “Pennsylvania” and starting your quote. If you’d rather speak with a live agent, you can find the toll-free phone number on the page as well.

Best time to Buy Medicare Supplement Plans in Pennsylvania for 2020

The best time for most people to purchase a Medicare Supplement plan is when they first enroll in both Medicare Part A and Part B. During this time Medigap plans must accept you. This Medigap Open Enrollment Period begins when you first qualify and extends for six months.

You may also have other periods when you are guaranteed enrollment. The State of Pennsylvania has listed some examples that mostly include moving out of a network plan’s service area, having a current plan cease operations, or losing group coverage. In some cases, you only have guaranteed acceptance for these plans: Plan A, B, C, F, K, or L.

This time period is a good time for Pittsburgh residents and other Medicare beneficiaries in Pennsylvania to start looking into Part D prescription drug plans, too. Your Supplemental Medicare plan will not include prescription drug coverage, so buying a separate plan through your chosen insurance agency will help you pay for prescription medication, which the federal government Medicare program typically does not pay for.

2020 Rate Calculations for Medicare Supplement Plans in Pennsylvania

It’s essential to understand how the insurer has set premiums for the best Medicare Supplement plans in Pennsylvania. They can do it in one of these three ways:

  • Community-rated: Your age doesn’t matter as everybody in your local area gets the same premiums.
  • Attained age: Your initial quotes and later premiums are based on your current age.
  • Issue age: In this case, the Medicare Supplement plan premiums will only depend on your age when you buy it.

Can You Use Pennsylvania Medicare Supplement Plans In Other States?

One of the best things about a Medicare Supplement plan in Pennsylvania is their portability. One primary reason that Medicare recipients choose a Medigap plan is that they don’t have to worry about the network restrictions. You can find doctors, skilled nursing facility options and more outside of your city or your state that will accept Medicare and your Medicare Supplement plan. This is a significant advantage if you hope to spend your retirement traveling around the country. Depending on your Medigap policy, you might even be covered for some healthcare expenses outside of the United States.

If you plan to move permanently outside of Pennsylvania, you will need to let your insurance company know. The national companies that we usually suggest can make transferring your policy seamless and transparent, but they may change your rates at your next renewal period.

Be aware that even though the best Medicare Supplement insurance plans in Pennsylvania can be used outside of your state, this is not the case with Medicare Advantage plans (Medicare Part C). If you have been thinking about these plan options, realize that many are HMO or PPO plans and do have network restrictions. If you want to avoid this, then Medigap insurance is going to be right for you.

Medicare Supplement Plan Comparison Chart in Pennsylvania

We know that there isn’t one best choice for everybody. However, we can tell you that the top 3 Medicare Supplement plans in Pennsylvania listed on the comparison chart below are the most popular. A lot of Medicare beneficiaries across the state and others who have experience with Medicare Supplement insurance consider these to be the best Medicare Supplement plans in Pennsylvania.

  • Medicare Supplement Plan F in Pennsylvania

    Medigap plan F in Pennsylvania the most comprehensive suite of benefits and of course usually costs the most. Still, it has held first place for a long time as the most common choice.

  • Medicare Supplement Plan G in Pennsylvania

    Medigap plan G in Pennsylvania is rising in popularity because the only thing it won’t pay for is the Medicare Part B deductible. Typically, the premium difference between this plan and Plan F more than make up the difference.

  • Medicare Supplement Plan N in Pennsylvania

    Medicare Supplement plan N in Pennsylvania is also rising in popularity. You can enjoy cheaper premiums if you are will to accept more cost-sharing. You will have to pay copays for some doctors or ER visits. Medicare Part B excess charges will not be covered when you see providers who charge more than the federal Medicare program allows.

Please note: Medigap Plan F in Pennsylvania will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020

If you’d like to see the benefits of the best Medicare Supplement plans in Pennsylvania, you can compare them side-by-side with the help of the following Medicare Supplement plans chart in Pennsylvania. You can also give us a call so that one of our licensed insurance agents can tell you more!

Compare and Buy A 2020 Medicare Supplement Plan In Pennsylvania

By now, you’re probably interested in personalized quotes and finding available insurers in your hometown. After all, you might be excited about the benefits that you can enjoy after you purchase one of the best Medicare Supplement plans in Pennsylvania. Get started by selecting “Pennsylvania” on our online quote form.

You’re also welcome to call with the toll-free number so that you can ask a live agent your specific questions about Medicare Supplement plans in Pennsylvania. We will also help you with other kinds of senior insurance. We can also offer you some insight into local reviews you may see for insurers and plans. We’ve helped thousands of Medicare beneficiaries choose the right Medicare Supplement plans, and we’re standing by to work with you!

Medicare Supplement Plans in Pennsylvania: Quick Facts

This summarizes some highlights of Medicare beneficiaries in the state:

  • Pennsylvania Medicare recipients: 2.5 million
  • Percent of Pennsylvanians with Medicare: About 18 percent
  • Percent of Pennsylvanians Under 65 with Medicare: About 18 percent
  • Pennsylvania beneficiaries with Medicare Advantage: 1.1 million
  • Beneficiaries with a Medicare Supplement plan in Pennsylvania: About 650,000

Most Medicare recipients obtain other coverage to enhance their benefits. Beneficiaries who don’t join either MA or Medicare Supplement plans often have additional coverage from a job, the government, or another source. As you learn more about the best Medicare Supplement plans in Pennsylvania, you will understand why it is still a popular health insurance option.

These are the largest Pennsylvania counties with their populations:

  • Philadelphia, PA: 1,548,647
  • Allegheny, PA: 1,229,912
  • Montgomery, PA:808,946
  • Bucks, PA: 626,377

State Resources for Members of Medicare Supplement Plan In Pennsylvania

Medicare mostly operates by federal rules, but each state may have their regulations that govern things like Guaranteed Issue Rights and assistance for paying some costs. For instance, you might qualify for various programs that can help you pay premiums or even out-of-pocket costs if you have low-income and modest resources.

These are some resources for Pennsylvania Medicare recipients: