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Pennsylvania Medicare Supplement (Medigap)

Searching for Medicare Supplement plans in Pennsylvania? Let PlanPrescriber be your resource for Pennsylvania Medicare Supplement information and plan comparisons.

Learn about Medicare Supplement in Pennsylvania

Pennsylvania residents enrolled in Medicare Part A and Part B have the option to enroll in a Medicare Supplement (Medigap or MedSupp) plan to cover the healthcare costs that Original Medicare does not cover, including deductibles, copayments, coinsurance, and other out-of-pocket costs. In most states, there are ten standardized Medigap policy options, each labeled with a letter with all plans of the same letter offering the same benefits.

Although the same letter plans offer the same coverage, the costs associated with Pennsylvania Medigap plans vary depending on many different factors such as location, gender, and age. The most common cost associated with Medigap plans is the monthly premium. Insurance companies set their own prices for policies and they “rate” the pricing in the following three ways:

  • Community-rated: Premiums are not set based on age, and everyone pays the same premium.
  • Issue-age-rated: Premiums are based on the beneficiary’s age when the policy is purchased, and those who buy at a younger age will pay a lower premium than those who are older.
  • Attained-age-rated: Premiums are based on the beneficiary’s current age and go up as the beneficiary ages.Other factors that may affect plan costs include discounts for things such as being a non-smoker or married, medical underwriting, and enrolling in Medicare SELECT policies with lower out-of-pocket costs.

Statistics on Pennsylvania Medicare Supplement Plans

Here are some statistics Pennsylvania residents enrolled in Medicare Supplement:

  • Number of Pennsylvania residents enrolled in a Medigap insurance policy (2010): 606,108
  • Percentage of total Pennsylvania Medicare beneficiaries enrolled in MedSupp (2010): 27%
  • Percentage of Pennsylvania residents enrolled in Medigap Plan C (2010): 47%
  • Percentage of Pennsylvania beneficiaries enrolled in Medigap Plan F (2010): 9%
  • Percentage of Pennsylvania Medigap policyholders with plans other than Plan C or Plan F (2010): 44%


Additionally, here are some statistics on Medigap premium costs in Pennsylvania, weighted by enrollment:

  • Average premium for beneficiaries enrolled in Medigap Plan C in Pennsylvania (2010): $140
  • Average premium for Pennsylvania residents enrolled in Medigap Plan F (2010): $129
  • Average premium for Pennsylvania Medigap policy holders with plans other than Plan C or Plan F (2010): $158


Compare Pennsylvania Medicare Supplement Plans

Medigap policy benefits in Pennsylvania do not vary between plans for the same type. However, the costs for each plan will vary depending on which carrier is offering the plan. Pennsylvania Medicare beneficiaries should first see what Medigap policies are available in their state, decide which plan type is best for their health needs, and then customize their search to find a Medicare Supplement insurance plan charging costs suited for their budget.

Comparison shopping is vital when purchasing a Medigap policy in Pennsylvania. To start comparing Medicare Supplement plans in Pennsylvania today, enter your zip code above for a customized list of plans available in your area.

Data provided by the Kaiser Family Foundation.