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Medicare Supplement Insurance Plans in Pennsylvania
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What to Know About Medicare Supplement Insurance Plans in Pennsylvania
Medicare Parts A and B provide coverage for many healthcare expenses, but there are gaps left over, including costs like copayments, coinsurance and deductibles. A Medicare Supplement Insurance plan, also referred to as Medigap, can assist with covering these types of out-of-pocket expenses. A Pennsylvania Medicare Supplement Insurance plan may be a way for you to save money on expenses not covered by Original Medicare. These plans are offered by private insurance companies throughout the state.
In 2023, Pennsylvania residents have a choice of many Medigap or Medicare Supplement plans. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.
As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.Pennsylvania residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they want to consider.
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Most Popular Medicare Supplement Insurance Plans in Pennsylvania
All Medigap plans are approved by the government and help protect consumers in most states, including Pennsylvania. Pennsylvania residents have several Medicare Supplement Insurance plans to choose from. See below for the most popular Medigap options selected by Pennsylvania residents. Insurance companies that sell Medigap plans in Pennsylvania offer the same basic benefits. However, plan prices may vary depending on where you live and the insurance carrier. In addition, each insurer in Pennsylvania may not offer each of the Medigap plans.As reported by America’s Health Insurance Plans (AHIP), 706,676 Pennsylvania beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Pennsylvania enrollees by Medigap plan type.
| Plan | A | B | C | D | E | F | G | H | I | J | K | L | M | N |
| Enrollment # | 8,485 | 33,932 | 75,580 | 22,689 | 5,629 | 222,927 | 207,386 | 6,816 | 4,214 | 9,456 | 2,287 | 1,372 | 11 | 104,965 |
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Pennsylvania Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Pennsylvania Medicare Advantage plan.You can learn more about your Medicare Supplement Insurance plan options in Pennsylvania by working with a SelectQuote licensed insurance agent. Acting as your advocate, we can guide you through the Medicare maze to better understand Medigap plan options. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Pennsylvania.
Pennsylvania residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.
When is the Pennsylvania Medicare Supplement Plans Enrollment Period?
Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Pennsylvania begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.
Pennsylvania residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Pennsylvania residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You can enroll as early as 64 and 6 months of age. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.
No obligation to enroll
Is a Pennsylvania Medicare Supplement Plan Right for You?
In order to learn more about your Medicare plan options, contact SelectQuote. We can help ensure you’re getting all of the benefits available to you while staying up to date with annual changes to Medicare plans. As a trusted independent company, SelectQuote can help you find the right Pennsylvania Medicare Supplement Insurance plan for your needs.
To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.
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