Finding the best rates for Medicare Supplement Plans in Pennsylvania (PA) can be tough on the internet.
You will have a good idea of the best medigap plans in PA after reading this article.
We have compiled the best rates for Medicare Supplement Plans in Pennsylvania by the ten largest cities including Philadelphia and Pittsburgh.
Inside you will find the most expensive medigap plans by city, the least expensive medsup plans by city, along with a comparison chart of the Medicare Supplement Plan F, Plan G, and Plan N.
If you are interested in other rates around the country, we have a great article about Medicare Supplement Plans by State, also.
Medigap Plan F, Plan G, Plan N Comparison Chart
The three most popular Medicare Supplement plans are Plan F, Plan G, and Plan N.
We have compiled the best rates in Pennsylvania for the ten largest cities for these three plans.
Generally, if one of these three plans do not fit your needs you should speak with a Senior Benefits Services expert about Medicare Advantage.
Keep in mind that Medicare Supplement Plan F will be going away in January 2020 which could cause the rates for this plan to increase more rapidly than Plan G and Plan N.
As you can see from the below chart Medigap Plan F and Medicare Supplement Plan G offer the same coverages except for one deductible.
The only difference is that with Plan F the annual Medicare Part B deductible is covered.
With Plan G, in addition to paying the premium, you would also pay your Medicare Part B premium.
If you choose Medicare Supplement Plan N, the premium is the lowest of the three because there is less coverage.
With Plan N, you will have to pay your Medicare Part B deductible just like Medigap Plan G.
However, Plan N does not cover doctor’s excess charges and requires a co-payment or co-insurance payment for doctor’s and hospital visits.
| BENEFITS | PLAN N | PLAN G | PLAN F |
|---|---|---|---|
| Part A HospitalCo-Insurance | YES | YES | YES |
| 365 Hospital Reserve Days | YES | YES | YES |
| Part B Co-Insurance /Co-Payment | YES | YES | YES |
| Blood Benefit(First 3 Pints) | YES | YES | YES |
| HospiceCo-Insurance /Co-Payment | YES | YES | YES |
| Skilled Nursing Facility Co-Insurance | YES | YES | YES |
| Part A Deductible | YES | YES | YES |
| Part B Deductible | NO | NO | YES |
| Part BExcess Charge | NO | YES | YES |
| ForeignTravel Benefit | 80% | 80% | 80% |
| Out Of Pocket Limit | N/A | N/A | N/A |
Most Expensive Medicare Supplement Plans in Pennsylvania (PA) By City
Medicare supplement (Medigap) plan premiums vary significantly across Pennsylvania’s different regions and cities.
Insurers analyze local healthcare utilization data and Medicare claims to determine rates for each geographic area.
Several key metropolitan areas command higher premiums – notably Philadelphia County and Delaware County (including Upper Darby), where Plan F, Plan G, and Plan N rates are consistently higher than the state average.
These variations can substantially impact your monthly Medicare supplemental insurance costs depending on your location.
This maintained the core information while incorporating relevant terms like “Medicare supplement,” “Medigap,” “Plan F, G, and N,” and “supplemental insurance” to enhance context and clarity.
The other two most expensive Medicare Supplement plans in PA are found in the city of Center City in Somerset County and Bensalem in Bucks County.
- Philadelphia in Philadelphia County Pennsylvania (PA)
- Upper Darby in Delaware County Pennsylvania (PA)
- Center City in Somerset County Pennsylvania (PA)
- Bensalem in Bucks County Pennsylvania (PA)
All four cities Plan F sample premiums for a male, non-tobacco user, start at $186.66 a month as compared to the least expensive Medicare Supplement plans in PA of $155.00. In more rural areas such as Greencastle in Franklin County Pennsylvania (PA) a 65 year old Plan F for a non-tobacco male is $154.67 per month.
It is important to remember that a Plan F is only available to those individuals who were eligible for Medicare prior to January 1, 2020. If you went onto Medicare on January 1, 2020 or after, you cannot get a Medigap Plan F. The closest in benefits to Plan F would be Plan G. As you can see in the chart above that the only difference between the Plan F and the Plan G is that you would be responsible for the Part B deductible which in 2025 will be $257.
The difference in premiums for Plan F between the highest and lowest rates is $31.66 a month or about $380 annually.
If you are on a fixed income, a move to a neighboring city/town may save you some money annually.
Plan G sample premiums for a male, non-tobacco user, start at $150.95 a month with the least expensive rate in these Pennsylvania counties being $127.35.
By far, the largest gap between the most expensive cities and least expensive cities is Plan F.
Please take a look at the Best Medicare Supplement Plans in PA and Rates Comparison Chart below.
The Medicare Supplement plan PA comparison chart includes the ten most populous cities in Pennsylvania; Philadelphia in Philadelphia County, Pittsburgh in Allegheny County, Center City in Somerset County, Allentown in Lehigh County, Erie in Erie County, Reading in Berks County, Upper Darby in Delaware County, Scranton in Lackawanna County, Bethlehem in Lehigh and Northampton Counties, and Bensalem in Bucks County.
To learn more about Medicare in Pennsylvania, you can visit the Pennsylvania Medicare State Website.
Medicare Supplement Plan PA: This is for Plan F, Plan G & Plan N – Quotes For Male/Female 65 Year Old, Non-Tobacco User. Contact Senior Benefit Services Specialist For Your Medigap Rate Today!
| STATE OF PENNSYLVANIA | male | female | |||||
|---|---|---|---|---|---|---|---|
| CITY | ZIP CODE | PLAN F | PLAN G | PLAN N | PLAN F | PLAN G | PLAN N |
| Philadelphia | 19019 | $186.66 | $150.95 | $106.48 | $165.22 | $133.61 | $95.07 |
| Pittsburgh | 15106 | $163.55 | $132.25 | $91.92 | $144.76 | $117.07 | $82.07 |
| Center City | 19102 | $186.66 | $150.95 | $106.48 | $165.22 | $133.61 | $95.07 |
| Allentown | 18001 | $155.00 | $127.35 | $91.92 | $136.77 | $112.72 | $82.07 |
| Erie | 16501 | $155.00 | $127.35 | $91.92 | $136.77 | $112.72 | $82.07 |
| Reading | 19601 | $155.00 | $127.35 | $91.92 | $136.77 | $112.72 | $82.07 |
| Upper Darby | 19018 | $186.66 | $150.95 | $106.48 | $165.22 | $133.61 | $95.07 |
| Scranton | 18503 | $155.00 | $127.35 | $91.92 | $136.77 | $102.72 | $82.07 |
| Bethlehem | 18015 | $155.00 | $127.35 | $91.92 | $136.77 | $102.72 | $82.07 |
| Bensalem | 19020 | $186.66 | $150.95 | $106.48 | $165.22 | $133.61 | $95.07 |
Cities Whose Medicare Supplement Plan PA Rates That Fall In Between
There are three cities where the Medigap Plan rates are in the middle of the highest and lowest premiums in Pennsylvania.
The second most populous city in Pennsylvania, Pittsburgh in Allegheny County has a Plan F sample premium of $163.55, Plan G sample premium of $132.25, and a Plan N sample premium of $91.92 for a male, non-tobacco user.
These premiums are about $15 – $20 less a month than Philadelphia and the other most expensive medigap plans in PA.
The other two cities share the same premium rates, these are Erie in Erie County and Scranton in Lackawanna County.
Least Expensive Medicare Supplement Plans in PA By City
The four least expensive Medigap plan rates are in the cities of Allentown in Lehigh County, its neighbor, Bethlehem in Lehigh and Northampton Counties, Reading in Berks County and Greencastle in Franklin County.
- Allentown in Lehigh County Pennsylvania (PA)
- Bethlehem in Lehigh and Northampton Counties Pennsylvania (PA)
- Reading in Berks County Pennsylvania (PA)
- Greencastle in Franklin County Pennsylvania (PA)
With low Plan F sample premiums of $155.00 for male, non-tobacco users, these are the least expensive premiums in the state of Pennsylvania.
The premiums are as much as $30 less per month, giving residence of these cities a savings of approximately $360 annually for the same coverage.
What About Dental, Vision, and Hearing Coverage?
Traditional Medicare nor a Medicare Supplement plan will typically cover routine needs for these areas. The best option would be to secure a stand-alone Pennsylvania dental insurance policy for essential routine dental care and restoration work that Original Medicare or a Medigap plan won’t cover as you age. To receive a no cost, no obligation quote for a plan that covers dental, vision, and hearing click here.
Take Action!
Senior Benefit Services, Inc will be able to help guide you through choosing a Medicare Supplement Plan.
There are many factors that determine the Best Medicare Supplement Plan for you.
The Experts at Senior Benefit Services have been specializing in helping seniors make the best Medigap insurance choices for over 50 years!
Call now at 1-800-924-4727 or fill out the easy and convenient ‘Start Free Comparison’ form in this article.
