Best Medicare Supplement (Medigap) Plans in Pennsylvania
Medicare Supplement plans in Pennsylvania are Medigap policies that fill health care coverage gaps that Original Medicare doesn't. You can choose from ten Medicare Supplement plans.
- Of the ten plans available in 2023, Aetna offers the best Medicare Supplement Plan G rates in Pennsylvania, coming in at $132 per month for the most comprehensive coverage.
- We also found Aetna has excellent rates on Medicare Supplement Plan N at $91 per month; for those that want the best monthly value without compromising coverage.
- Aetna provides the most affordable option, with their High Deductible Plan G at $47 monthly. This plan provides access to the same benefits as the standard Plan G after you meet the annual deductible of $2,700.
Below are highlights on the best Medigap plans for 2023 in terms of coverage and costs.
Aetna Medigap Plan G
Aetna Plan G is a comprehensive Medigap plan that provides numerous benefits. This policy eliminates many out-of-pocket costs except for the Part B deductible.
Several key advantages:
Medigap Plan G is a popular choice for those seeking extensive coverage. This plan covers most out-of-pocket costs not covered by Original Medicare, including Part A deductible, Part B excess charges, and foreign travel emergencies.
However, it's important to note that, unlike Medigap Plan F, Plan G does not cover the Part B deductible. Despite this, its comprehensive coverage makes it an excellent option for those seeking peace of mind and budget predictability in their healthcare expenses.
Monthly Plan Cost: $132
Aetna Medigap Plan N
For a cost-efficient solution, Aetna Medicare Plan N may be the ideal choice. This Medigap plan has lower premiums compared to other plans such as Medicare Plan F and G.
Benefits of this plan include (but are not limited to):
- Skilled nursing facilities
- $0 deductible for Part A coverage
- Coverage for emergency healthcare during foreign travel
- Maximum copay of $20 for office visits
- Maximum copay of $50 for emergency room visits (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $91
Aetna High-Deductible G
- If you're in search of a budget-friendly option for Medicare Supplement Plan G, Aetna High-Deductible Plan G is the ideal solution. Unlike its counterpart, this policy requires beneficiaries to pay a $2,700 deductible; yet it offers the same coverage once that deductible has been paid.
Monthly Plan Cost: $47
Mutual of Omaha Medigap Plan F
- Mutual of Omaha Plan F is the ideal Medicare plan for those seeking comprehensive coverage - providing greater benefits than all other plans. Not only does Plan F cover deductibles related to Parts A and B of Original Medicare, but it also covers coinsurances.
To be eligible for this plan, one must have enrolled in Original Medicare before January 1st 2020.
Monthly Plan Cost: $167
What's the Best Medicare Supplement Provider in Pennsylvania?
Based on our review of several key factors, Aetna is the best Medicare Supplement company in Pennsylvania.
While Aetna Medigap plans are often more affordable in Pennsylvania, price shouldn't be the only factor when choosing the best Medicare Supplement company. Consider other factors, too. For example, providers may have lower costs for Plan N but higher costs for Plan G, depending on your plan letter. Each insurer has its advantages and drawbacks based on the level of coverage they offer.
Considering these factors, Aetna remains our top choice due to its affordability, plan options, household discounts, and high customer satisfaction.
This chart compares different Medicare Supplement companies to Aetna that are also available in Pennsylvania, including sample premiums, ratings, and market share:
Cigna
Market share: 5.12%
Plan G cost: $135
Plan N cost: $93
Financial strength: A
Mutual of Omaha
Market share: 3.53%
Plan G cost: $138
Plan N cost: $96
Financial strength: A+
Aetna
Market share: 18.73%
Plan G cost: $132
Plan N cost: $91
Financial strength: A
United Healthcare
Market share: 32.66%
Plan G cost: $113
Plan N cost: $93
Financial strength: A
Medigap Plan Cost in Pennsylvania
In Pennsylvania, Aetna offers the most competitive Medicare Supplement Plan G price at just $132 per month. Keep in mind that your premium will be influenced primarily by your age and plan selection. Below, you'll find a comparison of prices for various plans to help you make an informed decision.
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$167
$132
$91
$47
$67
$44
Plan Popularity in Pennsylvania
57%
35%
21%
13%
6%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Pennsylvania for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
Enrolling in A Medicare Supplement Plan In PA
To obtain a Medicare Supplement Plan in Pennsylvania, applying during the six-month Medigap Open Enrollment period is advisable. This period commences on the month you reach 65 years old and have Part B coverage. Enrolling within this timeframe is crucial as it cannot be altered or repeated.
- If you are 65 or older: Once you enroll in Part B, you will have a six-month window to enroll in Medigap with guaranteed acceptance for your preferred plan.
- If you are under 65, eligibility may not apply to you. While some states permit Medigap policies for individuals under 65 with a qualifying disability or end-stage renal disease (ESRD), they generally come with higher costs.
Outside Medigap Open Enrollment
Though you can apply for Medigap insurance outside open enrollment, an insurer can impose:
- Medical underwriting requirements.
- Waiting periods before pre-existing conditions are covered.
- Higher pricing or application denial due to health conditions.
Exceptions are made for beneficiaries with guaranteed issue rights.
Guaranteed Issue Rights
Examples of scenarios where you may have guaranteed issue rights:
- You have a Medicare Advantage plan that either no longer partners with Medicare or discontinues coverage in your service area.
- You enrolled in Medicare Advantage or Medicare SELECT and then relocated out of the plan's service area.
- You are covered under Original Medicare and an employer or union group health insurance plan, and now you are losing the group plan coverage.
- You have a trial right because you are changing from a Medicare Advantage plan or Program of All-Inclusive Care for the Elderly (PACE) within the first year of joining.
- You have a trial right because you previously had Medigap insurance, which you dropped to join Medicare Advantage or Medicare SELECT, and you want to switch back within a year.
Bottom Line
In summary, Aetna, Mutual of Omaha, and United Healthcare are among Pennsylvania's top Medicare Supplement companies. These companies offer various plans with different coverages and costs, with Aetna's Medigap Plan G being the most affordable at $132 per month.
FAQ
Aetna and Mutual of Omaha are two of the best Medigap companies in Pennsylvania. Both companies offer various plans with various features to fit your unique needs.
The cost of Medicare Supplement plans in Pennsylvania can vary from $47 to $185 per month but could be higher or lower depending on variables such as age, gender, location, tobacco history, and plan selected.
The average cost of Plan G in Pennsylvania is around $132 - $185 per month. This cost may vary depending on several unique factors. Plan G in Pennsylvania is the most popular Medicare Supplement plan due to its comprehensive coverage and relatively low monthly premiums.
You can apply for a new plan at any time. However, it can require health underwriting. To avoid underwriting, you must qualify for guaranteed issue rights or be within your Medigap Open Enrollment time frame.
Suppose you are not applying for a Medigap Plan during your open enrollment period or do not qualify for guaranteed issue rights for other reasons. You might be refused coverage or charged a higher premium based on your health history.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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