Medicare Supplement Plans in Pennsylvania

Victoria Burke by Victoria Burke | Licensed since 2011
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This article was updated on: 11/01/2018

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What are Medicare Supplement plans in Pennsylvania?

Medicare Supplement (Medigap) plans in Pennsylvania and throughout the United States help pay some of the out-of-pocket health-care costs that Medicare Part A and Part B don’t pay.

Medicare Supplement insurance isn’t a government benefit, like Medicare Part A and Part B. As elsewhere in the country, Medicare Supplement plans in Pennsylvania are offered by private insurance companies.

The purpose of a Medicare Supplement plan in Pennsylvania (or any state) is to cover some of the approved out-of-pocket costs not paid by Medicare Part A (hospital insurance) and Part B (medical insurance). These costs might include deductibles, copayments, coinsurance, and more. Medicare Supplement plans in Pennsylvania offer one or more of 10 standardized sets of basic benefit, labeled Medicare Supplement Plan A through Plan N. (Don’t be confused by the labels—they are not related to the Medicare Part A, Part B, Part C or Part D programs.)

Each of the standardized Medicare Supplement plans provides a set of basic benefits. Each standardized plan with the same letter must offer the same basic benefits, no matter which insurance company sells it. Plans with the same letter provide the same level of coverage for different out-of-pocket costs.

For example, the basic benefits of one insurance company’s Medicare Supplement Plan F are the same as the basic benefits of another company’s Plan F. The only difference between Medicare supplement plans with the same letter sold by different insurance companies is usually cost. However, some insurance companies might add extra benefits to their Medicare Supplement plans in Pennsylvania (and other states).

How do I compare Medicare Supplement plans in Pennsylvania?

Comparing Medicare Supplement plans in Pennsylvania isn’t as complicated as it may seem. Just remember this fundamental fact about Medicare Supplement plans: benefit plans are standardized but premiums are not.

Armed with this knowledge, you are ready to compare Medicare Supplement plans. You can review this Medicare Supplement plan comparison chart. Choose the benefit coverage that is most likely to meet your current and future needs. This is important. On the one hand, you don’t want to pay for coverage you don’t need. On the other hand, if you choose the lowest cost Medicare Supplement plan in Pennsylvania, it may not provide you sufficient coverage if your health gets worse in the future.

Next, find the Medicare Supplement plans in Pennsylvania that provide the coverage you desire. Just type your ZIP code in the box on this page and click the Find Plan button.

Finally, compare the premiums among the insurance companies that offer your choice of Medicare Supplement plans in Pennsylvania. Keep in mind the benefits are the same for Medicare Supplement plans of the same standardized benefit (Plan letter). They work the same. And most are accepted by providers anywhere in the United States where Medicare is accepted. (The exception to this general rule is the Medicare SELECT, which uses a network of participating providers, much the same as an HMO.)

When can I purchase a Medicare Supplement plan in Pennsylvania?

As soon as you reach age 65 and enroll in Medicare Part B, you are generally also eligible to purchase a Medicare Supplement plan in Pennsylvania. Your Medicare Supplement Open Enrollment Period (OEP) lasts for six months, starting first month that you were both age 65 or over and signed up for Medicare Part B.

During the OEP, you can buy any Medicare Supplement plan in Pennsylvania, and you are guaranteed to be accepted as a plan member. By law, you cannot be turned down by the insurer because of a health condition or charged a higher rate than a healthy person applying for the same Medicare Supplement plan in Pennsylvania.

If you miss your OEP, you may apply for a Medicare Supplement plan in Pennsylvania anytime. You could be denied coverage, though, or charged a higher premium based on your health history.

It’s your decision whether to buy a Medicare Supplement plan in Pennsylvania or not. If you decide a Medicare Supplement plan is right for you, you will pay a separate premium for that plan in addition to your Medicare Part B premium.

What else should I know about Medicare Supplement plans in Pennsylvania?

  • If you are under age 65 and have Medicare because of a disability, you might be able to buy a Medicare Supplement plan in Pennsylvania.
  • Medicare Supplement plans in Pennsylvania (and nationwide) are guaranteed renewable. That means once you buy a plan, the insurance company can’t drop your membership unless you were not honest on your application; you don’t pay your premiums; or the plan goes bankrupt.

I would be happy to answer your questions about Medicare Supplement plans in Pennsylvania. You can use one of the links below to set up a phone call with me or request information from me by email. Of course, you can click Find Plans anytime (use the button on this page).

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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