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, Cigna offers the best Medicare Supplement Plan G rates in Pennsylvania, coming in at $95.50 per month for the most comprehensive coverage.
- We also found Cigna has excellent rates on Medicare Supplement Plan N at $74.27 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 $47.15 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.
Cigna Medicare Supplement Plan G
Cigna Plan G is a comprehensive Medigap plan that provides numerous benefits to its beneficiaries. This particular policy eliminates many out-of-pocket costs except for the Part B deductible.
When selecting Plan G, you'll benefit from several key advantages:
- Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
- No referrals are required.
- Freedom to see any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $95.50
*Quotes for a 65 year old non smoking female, in zip code 15010.
Cigna Medicare Supplement Plan N
For those seeking a cost-efficient solution, Cigna Medicare Plan N may be the ideal choice. This option is much more economical than other plans such as Medicare Plan F and G.
Benefits of this plan include (but are not limited to):
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (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: $74.27
*Quotes for a 65 year old non smoking female, in zip code 15010.
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 before accessing their benefits; yet it offers the same coverage once that deductible has been paid.
Monthly Plan Cost: $47.15
*Quotes for a 65 year old non smoking female, zip code 15010.
Cigna Medicare Supplement Plan F
- Cigna 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: $139.47
*Quotes for a 65 year old non smoking female, in zip code 15010.
What's the Best Medicare Supplement Company in Pennsylvania?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Pennsylvania.
While Cigna 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, Cigna 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 Cigna that are also available in Pennsylvania, including sample premiums, ratings, and market share:
Cigna
Market share: 5.12%
Plan G cost: $95.50
Plan N cost: $74.27
Financial strength: A
Mutual of Omaha
Market share: 3.53%
Plan G cost: $137.82
Plan N cost: $96.20
Financial strength: A+
Aetna
Market share: 18.73%
Plan G cost: $132.11
Plan N cost: $91.46
Financial strength: A
United Healthcare
Market share: 32.66%
Plan G cost: $134.77
Plan N cost: $96.95
Financial strength: A
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 $95.50 per month with Cigna.
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:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$139.47
$95.50
$74.27
$47.15
$95.50
$38.63
Plan Popularity in Pennsylvania
60%
45%
25%
15%
8%
-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.
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.
FAQ
Cigna 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 $74 to $137 per month but cold be higher or lower depending on variable such as age, gender, location, tobacco history and plan selected.
The average cost of Plan G in Pennsylvania is around $132 per month. This cost may vary depending 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.
If you are not applying for a Medigap Plan during your open enrollment period or do not qualify for guaranteed issue rights due to 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).
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