2018 Medicare Supplement Plans in Pennsylvania – Medigap Plans
Many Pennsylvanians wonder how changes in the U.S. healthcare system will impact their medical benefits. While no significant changes are expected for 2018 Medicare Supplement plans in Pennsylvania, it is a good idea to keep an eye on different options because of rising medical costs and additional regulations.
To make it easy to compare local options, we provide a handy online tool. Just enter your information for a quick listing of quality Pennsylvania Medicare supplement plans for 2018 and the ability to click on each entry for more details and contact information.
2018 Medicare Supplement Plan in Pennsylvania: Quick Statistics
Of the 12.7 million Pennsylvania residents reported on the US Census, over 16 percent are of Medicare age. This is how these seniors are distributed in major PA cities:
- Philadelphia: 12.1%
- Pittsburgh: 13.8%
- Allentown: 11.9%
- Erie: 12.9%
- Reading: 9.3%
2018 Pennsylvania Medigap Plans vs. Medicare Advantage Plans
Both Medigap plans and Medicare Advantage plans help seniors manage medical expenses and get into good doctors and other health providers. However, they work very differently. Some reasons that Medicare Advantage (MA) might be attractive are because some have no monthly premium or a very minimal one, some come bundled with Part D, and some even offer additional dental, vision, or hearing benefits. Getting all of that with zero monthly premium might be a good solution for many local seniors.
On the other hand, Pennsylvania Medicare supplement plans appeal to senior citizens who do not want to have to concern themselves with finding plan network doctors and who do want a greater choice of specialists and predictable out-of-pocket costs.
Available Plans for 2018 Pennsylvania Medicare Supplement Insurance
Medicare supplement plans are divided into standard levels, and each of these has a letter name from A through N. This gives consumers a chance to select the benefits that are most important to them and some control over their premiums.
These are some very basic comparisons between the different Medicare supplement plan levels:
- Only high deductible plan F, regular Medicare Plan F, and Medicare Plan G will pay for charges over Medicare’s suggested charges.
- Typically, Medicare Supplement Plan C is considered comprehensive.
- Medicare Plan A and Medicare Plan B are usually thought of as basic options.
- Medicare Supplement Plan Levels N, L, and K may offer the most competitive prices and expect the most cost sharing.
- Medigap Plan Level M is similar to the next level, but it doesn’t need copays for the Part B deductible and only covers the Part D deductible at 50%
The right choice for your Pennsylvania Medigap Plan depends upon health expenses that you expect to have, your tolerance for paying some of the costs, and your budget for paying monthly rates. Note that prices may also be different from insurer to insurer, and these are some of the top Pennsylvania Medicare Supplement plan companies to consider for 2018 Plan F and Plan G:
- Aetna Medicare Supplement Plans
- Banker Fidelity Life Insurance Company
- Blue Cross of Northeastern PA
- Capital Blue Cross Capital Advantage Insurance Company
- Cigna Medigap Plans
- Colonial Penn Life Insurance Company
- Highmark Blue Cross Blue Shield
- AARP Medicare Supplement Plans
- Independence Blue Cross
- Physicians Mutual Insurance Company
- Mutual of Omaha Medigap Plans
Compare the Best 2018 Pennsylvania Medicare Supplement Plans and Advantage Plans Online
Our online tool can help you compare 2018 Medicare supplement rates and plans in Pennsylvania from the comfort of your home or office. Enter your necessary information to see top companies displayed, and click the listings to learn more. If you’d like to contact a live agent, you can also find contact information on detail pages. Don’t delay your search for 2018 Medigap plans in Pennsylvania. You’re a few clicks away from potentially saving a lot of money.