Best Medicare Supplement 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.

What's the Best Medicare Supplement Company in Pennsylvania?

Based on our review of several key factors, Aetna is the best Medicare Supplement company in Pennsylvania.

While Aetna Medigap plans tend to be more affordable in Pennsylvania, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.

For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Aetna that are also available in Pennsylvania, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Pennsylvania?

The best price for Medicare Supplement Plan G in Pennsylvania is $132 per month with Aetna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Apply for a Medicare Supplement Plan?

The best time to apply for a Medicare Supplement Plan in Pennsylvania is during the six-month Medigap Open Enrollment period, which starts the first month that you are 65 and have Part B coverage. It is essential to enroll during this time, since the period cannot be changed or repeated. See below for age-specific application information.

If you are 65 or older: After the date you enroll in Part B, you will have six months to enroll in Medigap with a guaranteed plan of your choice.

If you are turning 65 soon: Plan to enroll in Medigap when you turn 65, right after you enroll in Part B. Again, you will have six months after the date you turn 65 and enroll in Part B.

If you are under 65: You may not have eligibility. In certain states, Medigap policies have to be sold to those under 65 with a qualifying disability or ESRD (end-stage renal disease), but they will generally cost you more.

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.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.