Medicare Supplement Insurance Plans in Pennsylvania (PA)

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Comparing Medicare Supplement Insurance Plans in Pennsylvania (PA)

Medicare Supplement Plans in Pennsylvania

For Medicare Supplement Plans PA, there are several choices, what Medigap plan in PA fits you the best will depend on your needs and budget.  I know that is not exactly what you are looking for but please keep reading for a full explanation or call us anytime at 844-528-8688 for a personal consultation on what  Pennsylvania Medigap fits you the best.

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No matter where you live in Pennsylvania when you enter Medicare, you need Medicare supplemental coverage that fits your lifestyle and budget. Medicare Supplement Plans in Pennsylvania are readily available without any clinical underwriting throughout your open enrollment period.  See our Medicare Supplement Guide for information on entering into Medicare.

First Things First, You Need to start Medicare in Pennsylvania

To be eligible for a Pennsylvania Medicare Supplement Plan, you need to have Medicare Parts A and B.

Medicare Part A Hospital Insurance

Medicare Part A Hospital Insurance

This part of Medicare helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.

Part A is $0 for most people

Has a “Per Period” Deductible


Medicare Part B

Medicare Part B Medical Insurance

This part of Medicare helps pay for doctor bills, outpatient hospital care, and other medical services not covered by Part A.

Part B is $170.10 per month for most 

Has an annual deductible


About Medicare Supplement Insurance Plans in Pennsylvania

You need to have Parts A and B of Medicare in Pennsylvania before you can look at adding a Medigap or Advantage plan. There are two different scenarios when it comes to your Pennsylvania Medicare Enrollment, to find out what you need to do to enroll in Medicare, see below to find which fits your situation.


If You Are Currently Receiving Social Security

If you are currently receiving Social Security Payments, you will receive your Medicare card in the mail, approximately 90 days prior to your 65th birthday.


If You Are NOT Currently Receiving Social Security

If you are not receiving Social Security Payments you will need to Enroll in Medicare with the Social Security Dept.  You can call 1-800-772-1213, Online at, or visit your local Social Security Office.

Medicare Supplement Plans for Individuals Under Age 65

Although Medicare Supplement plans are primarily for seniors who are 65 and older, it’s also available in some states to individuals under age 65 who are disabled or have ESRD (end-stage renal failure) or both.

In Pennsylvania, any insurance company offering Medicare Supplements must offer at least one Medicare Supplement plan to under age 65 Medicare beneficiaries and they cannot charge higher premiums than they would charge a 65-year-old.

Moreover, you’ll likely be eligible to purchase a Medicare Supplement plan under 65 if you are permanently disabled and have received Social Security Disability benefits for at least two years or have ALS or permanent kidney failure (ESRD).

To be certain of which Medicare Supplement plan is available to you, contact My Medicare Supplement Plan at your earliest convenience.

What is the Best Medicare Supplement Plan in Pennsylvania?

The short answer is, it depends.  There is not just one plan that is perfect for everyone, it depends greatly on your needs and budget.

Now that you understand signing up for Medicare, it is time to find the best Pennsylvania Medicare Supplement Plan for you.  While rates for Medicare Supplement Plans Pennsylvania are very important, you need to also look at the company and the rate increase history.  What might be the absolute cheapest monthly premium now, could end up very costly down the road.

Medicare Supplement Companies tend to come into an area with a very low “introduction price” in essence they are buying new business.  After they start building the book of business they will raise the rates significantly to cover the losses.  This is just one of the reasons we at Medicare Solutions Team carry over twenty Medicare Supplement Plans Pennsylvania providers.



Medicare Supplement Plans, sometimes called Medigap Plans are set and standardized by CMS (Medicare).  They offer 10 plans but the three most popular are Plan F, Plan G and Plan N.

Medicare Supplement Plans Texas

Pennsylvania Medicare Supplement Plan F

The Plan F Medicare Supplement Plan Pennsylvania, simply put, covers everything.  On the face that seems like a great idea, but there are a few reasons why.

  1. It is the most expensive Plan on the Market
  2. It has the highest rate increases of all the Medicare Supplement Plans
  3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

Pennsylvania Medicare Supplement Plan G

The Medicare supplement plans in PA that offer the most coverage for the lowest premium is the Medigap Plan G.  The Medicare Supplement Plan G offers the exact same benefits of the Plan F except that you will pay the Part B deductible.  The Part B deductible is set by Medicare and can change, but at this time it is $233.00 per year.

The Pennsylvania Medicare Supplement Plan G is normally $350.00 to $400.00 per year less in premium than the Plan F and historically has much lower rate increases.

Once the Part B deductible ($233.00 for 2022) is paid, your benefits will be identical to the Medicare Supplement Plan F.  Why would anyone want to pay an insurance company $350.00 to $400.00 a year more just to pay a $233.00 deductible.

Medicare Supplement Plans Texas

View Plan G Quotes-

View Plan G Quotes-

Pennsylvania Medicare Supplement Plan N

Medicare Supplement Plan N is one of the lowest cost Medicare Supplement Plans, but you will take on a little more risk and out-of-pocket costs.  With a Medigap Plan N, you will have a copay of $20.00 for the doctor visits and $50.00 for an emergency room visit.

Paying a copay is something that most people are used to, and does add some cost if and when you go to the doctor, but there is another facet of the Plan N that you need to be aware of.

Medicare Supplement Plans Texas

Plan N does not cover Medicare Part B excess charges, now this could be a big deal or nothing at all.  If a doctor accepts Medicare but is not assigned by Medicare he can legally charge you 15% over the Medicare approved amount.  You would then be responsible for that extra cost. However, this is not a concern in Pennsylvania.

Pennsylvania is one of the states that do not allow any Part B excess charges.  This law is known as the M.O.M law (Medicare Overcharge Measure).  This means that doctors must accept Medicare payment in full according to the Medicare approved payment schedule. With this fact, the Pennsylvania Medicare Supplement Plan N could be a very good fit.

View Plan N Quotes-

View Plan N Quotes-

Medicare Assignment

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

For complete details on Medicare Supplement Plans Pennsylvania, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember there is never a fee for our services.

Frequently Asked Questions

Is the Pennsylvania Medicare Supplement plan G worth it?

Plan G is worth the cost because it covers most of your out-of-pocket expenses. Plan G is especially financially helpful when your health starts to decline or when you need routine care to manage a chronic illness.

What are excess charges?

Excess charges are the portion of your doctor bill that Medicare will pay and the actual charge by your doctor. This will only apply if your doctor does not “accept assignment” and cannot be more than 15% of the total bill. Some states like Pennsylvania prohibit excess charges and some Medicare Supplement plans cover these charges.

Which company has the best Medicare Supplement plan in Pennsylvania?

Choosing the best Pennsylvania Medicare Supplement plan will depend on your personal health circumstances and monthly budget. Many Medicare health insurance brokers generally look at UnitedHealthcare, AARP, Mutual of Omaha, and Aetna as their go-to insurance companies.

What’s the difference between Pennsylvania Medicare Supplement plans and Medicare Advantage?

Medicare Supplement plans (Medigap) were designed to work with Original Medicare to fill the gaps created by Medicare’s deductible, coinsurance, and copays. Medicare Advantage (Medicare Part C) was designed to replace Original Medicare Part A, Part B, and Part D and is offered by and administered by private health insurance companies.

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