Best Medicare Supplement Plans in Pennsylvania for 2019

Enrolling in the best Medicare Supplement plan in Pennsylvania for 2019 can be a great alternative to relying on the basic Medicare benefits or signing up for a Medicare Advantage plan. If you are enrolled in Medicare Part A and Part B, are interested in signing up for a health plan through a Medicare insurance company and are willing to pay reasonable monthly premiums, then this is an option that you should explore. We have compiled some helpful information about Medicare Supplement plans in Pennsylvania, and you can also do your own research to learn more about the best Medigap policies for 2019, what types of benefits the different plans offer and the rates for monthly premiums that you’ll have to pay for a plan from a health insurance company.

Best Medicare Supplement Plans in Pennsylvania for 2019: Overview

The idea of having more coverage with the help of Medigap plans in Pennsylvania might be appealing, but you could be wondering exactly what type of coverage you can expect. Once you choose and sign up for the best Medicare Supplement plan in Pennsylvania for you, you should be able to enjoy benefits and health insurance coverage like these in exchange for reasonable monthly rates:

  • Skilled Nursing Facility
  • Home Health Care
  • Medicare Part A and Part B deductibles
  • Original Medicare’s coinsurances
  • Part B Excess Charges
  • Foreign Travel
  • Medicare Part B Deductible and copayments

Unfortunately, even though the best Medicare Supplement plans in Pennsylvania for 2019 do have a lot to offer and do offer a lot of additional coverage and benefits, they do not cover everything. They can help with preventive care, hospital stays and more, but they don’t pay for things like hearing aids, eyeglasses or other similar costs. They also will not help you pay for your prescription medication as you will need a separate stand-alone drug plan. Because of this, it’s generally best for seniors to check the rates for Medicare prescription drug plans from private insurance companies and to look into Medicare Part D plans. Then, between Original Medicare, Medigap, and your prescription drug coverage, you will have excellent coverage to help you with your healthcare costs as you age.

Medicare Supplement Plans in Pennsylvania: Enrollment Statistics

While shopping for the best Medicare Supplement plan in Pennsylvania, you might find yourself wondering if your peers have signed up for similar plans. Medicare Supplement insurance plans in Pennsylvania are popular among people who live in these five top counties and other counties across the state:

  • Allegheny County
  • Bucks County
  • Montgomery County
  • Lehigh County
  • Chester County
  • Philadelphia County

Whether you’re a resident of one of these larger Pennsylvania counties or if you live in a smaller county, Medicare Supplement insurance plans in Pennsylvania deserve a second look from you. After all, this added health insurance can save you a lot of money and give you peace of mind in your retirement years.

Some people who stop by our website are interested in learning more about how others use Medicare and finding the best Medicare Supplement insurance plans for 2019. A few fun facts about Medicare and Medigap plans in Pennsylvania have been listed here:

  • There are more than 1.5 million Medicare beneficiaries in Pennsylvania. Included in this number are those who are the beneficiary of Medicare Part A, Medicare Part B or Parts A and B.
  • More than 633,000 Pennsylvania Medicare beneficiaries also have Medigap plans.
  • Plan F is the most popular of the Medigap policies in Pennsylvania.

How Many Medicare Supplement Plans are Available in Pennsylvania for 2019?

There are 10 different Medicare Supplement insurance plans in Pennsylvania that you can choose from. This is also the case in most other states, although some states offer fewer options. From Medicare Plan F, which is the most popular plan, to plans like Medicare Plan N and Medicare Plan G, there are a host of options for you to choose from to get help with your out-of-pocket costs.

Naturally, each plan will come with different rates for premiums, so you’ll need to compare plans. Don’t just compare rates when you’re trying to decide which of the Medigap plans in Pennsylvania for 2019 is best for you to sign up for, either. Instead, make sure that you take a look at the benefits that are offered with each policy type, too. Then, you’ll make the best choice for you.

These are some very basic comparisons between the different Medicare Supplement insurance plan levels for 2019:

  • Only high deductible plan F, regular Plan F, and Plan G will pay for charges over Medicare’s suggested charges.
  • Typically, Plan C is considered comprehensive.
  • Plan A and Plan B are usually thought of as basic options.
  • Plan N, L, and K may offer the most competitive prices and expect the most cost sharing.
  • Plan M is similar to the next level, but it doesn’t need copays for health care providers, however, it only covers the Part B deductible at 50%

Find the Best Medicare Supplement Plans In Pennsylvania for 2019

The best choice for your Medicare Supplement insurance 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 Medicare Supplement rates in Pennsylvania may also be different from insurer to insurer, and these are some of the top Medigap companies to consider for Medicare Plan F and Plan G in 2019:

Best Medicare Supplement Plans in Pennsylvania: When Can I Enroll?

Once you have chosen the best Medicare Supplement plan in Pennsylvania, you’ll probably want to sign up right away. After all, if your budget has been impacted by copayments, deductibles and other things that Original Medicare does not pay for, then you’re probably ready to start saving money right away. This can make your finances less stressful and can help you enjoy your later years in the best way possible.

If you have just recently signed up for Medicare Part A and Part B, then you might still be under the Initial Enrollment Period. Your Medigap Open Enrollment Period lasts for six months from the day that you first sign up for Medicare Part B. If you’re still in this period, then there is good news: You should not have a problem signing up for any plan that you’re interested in, and you will not have to worry about your 2019 rates being higher if you have existing health issues.

If you’re outside of this six-month period, though, you should not give up on signing up for a Medigap plan. If you don’t have any pre-existing medical conditions, then you should not have any problem getting a policy for a reasonable price. If you do have pre-existing medical conditions, then you may still be able to sign up for the best Medicare coverage without getting turned down. Just be aware that you might have to pay slightly higher rates. With all of the coverage that is offered with these plans, though, you may find that these higher rates are still well worth the cost.

It is important to understand the Medicare Supplement plans and Medicare Advantage plans are completely different.  These Medicare Part C plans are unique in that they are considered “replacement plans”.  They are typically built around network health care providers using an HMO or PPO benefit structure.  CMS rates the plan for customer satisfaction and plan performance using star ratings.  Five star is the quality Medicare Advantage plan and One star is the lowest.  These plans can come with extra benefits as well as contain a Medicare Part D drug plan built into them.

If you need more assistance sorting through your options for 2019 and have additional question, feel free to contact one of our health licensed agents.

Pennsylvania Medicare Resources

If you are looking for more information about Original Medicare, Medicaid or the best Medigap plans, check out these resources: