Pennsylvania Medicare Supplement Insurance Plans

Pennsylvania Medicare Supplement plans are designed to fill the gaps left by traditional Medicare coverage. Pennsylvania Medicare supplement plans (PA Medigap plans) offer the most comprehensive coverage when compared to other types of Medicare Insurance in Pennsylvania, like Medicare Advantage.

Medicare supplement Insurance plans are also the most common choice of Pennsylvania residents for Medicare Insurance when combining all Medicare supplement plans “A” through “N”. However, there are situations when plans other than Medicare supplements may fit, and should be considered.

It is generally recommended that Pennsylvania residents either purchase Medicare Supplement with a stand-alone Part D. This would provide the most comprehensive coverage and the most freedom to see medical providers of choice with no network restrictions as you would find in a Medicare advantage plan. That is not to say that Medicare advantage (MA) plans are not good choices, just that Medicare Supplemental Insurance plans allow more freedom and fewer co-pays and out of pocket cost when compared with a Medicare Advantage plan. Keep in mind that Medicare Supplement plans in PA will cost a little more.

Pennsylvania Medicare Coverage Gaps

Medicare has 2 basic parts: Medicare Part A which is the Hospital Coverage and Medicare Part B which covers out-patient and doctor’s office visits. Most people will qualify for Medicare Part A at no cost because they have qualified and paid in during the years before turning 65. However, there is a premium for Part B that is also adjusted based on income. Most people will pay the basic premium of $104.60 (2015).

Other gaps include deductibles for both part A and Part B, and coinsurance of generally 20%. (That means you pay 20% of the cost for most Medicare covered Medical expenses.)

The best way to pay for these remaining costs which can easily add up to Thousands of dollars or more is to include one of the Medicare supplemental insurance plans available in PA along with your basic Medicare.

For further assistance speak to one of our advisors by completing the Medicare Supplement quotes request form

Medicare Supplement plan statistics for Pennsylvania

There were 2,350,588 Medicare beneficiaries living in Pennsylvania in 2012.
That number consisted of 18% of the total population in the state.
There were 904,456 Medicare Advantage Enrollees in 2012
That number represented 6.9% of PA State population

How does Pennsylvania Medicare Supplement Insurance Work?

Pennsylvania Medicare Supplemental Insurance plans pay the deductibles and co-insurance left over after Medicare pays its covered portion. Generally speaking Medicare covers 80% and the Medicare Supplement Insurance plans in PA will pay the remaining 20%. Not all plans pay everything and you should see the Medicare Supplement Comparison Chart for more details. However, the most popular Medicare Supplement Plan F will pay everything that is left over whereas, Plans “G” and Medigap Plan “N” leave a few manageable costs for the insured with slightly lower premiums. These 2 Medicare Supplement plans (plan G and plan N) are excellent plans and offer a good value proposition for Medicare Supplements in PA.

One of the big advantages of all Medicare Supplement plans is that they are accepted by anyone, anywhere that Basic Medicare is accepted. This is another significant difference compared to Medicare Advantage plans that typically are only accepted by doctors and hospitals that have agreed to accept each specific plan. This can be extremely limiting in some cases.

Medicare Supplement Plans in Pennsylvania also participate in what is called “cross over billing” which basically means that Medicare coordinates the bills with your Medicare supplement plan and all balances are paid without you ever having to do a thing. If you’d like a free Medicare Buyers guide published by Medicare we will send you one at no cost or obligation. (Click here for Free Medicare Supplement Buyers Guide)

Pennsylvania Medicare Supplement Premiums

Pennsylvania Medicare premiums are set by each individual company even though all Medigap plans in PA offer exactly the same insurance benefits vs other identically lettered plans. The factors that affect premiums for Medicare supplement insurance in PA are each companies overhead cost, claims experience, along with your age, gender, zip code and tobacco use along with other factors. These effect only premiums and won’t affect your coverage once the policy is in place. Since your premiums don’t impact the health coverage it is generally recommended to choose the plan (A thru N) that fits your budget and shop for companies with the best Medicare supplement premiums in PA for that plan.

Fortunately there is there is the Senior Advisors Group who has agreements with every major Medicare supplement provider in the state of Pennsylvania. One phone call will save you the time from shoping and going over all the same details with 3, 4, 5, or 10 different companies. We have every plan offered from every major Medicare Supplement insurance provider in Pennsylvania so this will save you all the legwork. Simply fill out the quote request form to get find the lowest premiums in your area.

Its important to remember that in most states including Pennsylvania all Medigap plans are standardized. This means a plan “F” from AARP or Humana plan “F” all offer the exact same coverage. We will review all of these companies and find the best Medicare supplement plan in PA for your area, age, and budget. Guaranteed!!

Quotes for Medicare supplemental Insurance (PA)

To get quotes on Medicare supplement insurance in Pennsylvania simply complete the form on this page. We will provide quotes for all of the quality companies offering Pennsylvania Medicare Supplements in your area of PA. Since we do not work for any one insurance company you will get unbiased and objective advice for all plans and help finding the plan and the right insurer to best meet your needs and budget. If you have any questions or if there is any way we can serve you please contact us at 610-399-8700.

If you would like assistance understanding the different Medicare plans, and choosing the one that’s right for you, please complete the form on this page, or call us.

As a consumer, you know Medicare Supplemental Insurance, Medicare Advantage, and Medicare Part D choices can be numerous and overwhelming. Our agents are well trained in all Medicare insurance options and will review your specific situation to provide you several recommendations that we believe best fit your needs as a resident of Pennsylvania.

Medicare Supplement Alabama

AL Medigap

Medicare Supplement Arizona

AZ Medigap

Medicare Supplement Arkansas

AR Medigap

Medicare Supplement California

CA Medigap

Medicare Supplement Colorado

CO Medigap

Medicare Supplement Connecticut

CT Medigap