Pennsylvania Medicare plans include Medicare supplements, Medicare Advantage plans, and Part D drug plans. The purpose of Pennsylvania Medicare plans is to help lower your out-of-pocket costs for Medicare services. Medicare has no cap on how much they will charge a beneficiary in the year, so enrolling in a Medicare plan is something all beneficiaries should consider.
Pennsylvania Medicare supplement plans help to pay for both your hospital and outpatient deductibles. They can also cover your copays and coinsurance for both inpatient stay and regular medical care.
Let’s take a look at your Pennsylvania Medicare Supplement options.
Pennsylvania Medicare Supplements
There are 10 Pennsylvania Medicare supplement plans, just as there are in other states. Medicare set the summary of benefits in each of these plans. For example, if you buy a Pennsylvania Medicare Supplement Plan F, you will find that it has exactly the same benefits whether you buy it from one insurance company or another. This allows you to shop for a plan based on who offers the most competitive rates and stable rate history in your area.
Pennsylvania Medicare supplements are a great fit for people who would enjoy the peace of mind that comes from a plan that uses a nationwide network (the Medicare network). It provides coverage whether you are at home or visiting friends and family in other states.
Top Medicare Supplement plans in Pennsylvania
In past years, Medicare Supplement plan F, also called Medigap plan F, has been a top seller. However, recently, Plan G and Plan N have become favorites as well. Plan F covers all out-of-pocket costs for Medicare-covered services, whereas Plan G covers all out-of-pocket costs except one, the Part B deductible. Anyone who becomes eligible for Medicare after January 1, 2020, should know that they won’t have Plan F available to them. Plan G and Plan N are some alternatives.
For most people, Plan G is a more cost-effective plan than Plan F because Plan G typically has a much lower premium, which offsets the deductible you pay. On the other hand, if you don’t go to the doctor too often, and plan to only use doctors who accept Medicare assignment, then you may find Plan N to be cost-effective.
Medigap Plan N covers everything Plan G covers except for Part B excess charges. Plan N also has small copays for doctor and ER visits.
However, state law in Pennsylvania prohibits doctors from charging you excess charges. An excess charge is when a doctor bills you 15% higher than Medicare’s approved amount. Normally you would owe this, but not in Pennsylvania. This might make Plan N a good buy for you if you don’t travel and plan to only treat in your home state.
Keep in mind that, Pennsylvania Medicare supplements do not include drug coverage though. You can purchase an inexpensive Medicare Part D policy to help you with your prescription drugs.
Pennsylvania Medicare Supplement companies
Our agency works with over 30 insurance companies that offer plans across the United States. We can check rates for various carriers, such as Aetna or Cigna. We generally recommend looking for carriers that have an A or A+ financial rating. This means the carriers have millions of dollars in reserves to pay out on claims if necessary.
Another thing to look at is the carrier’s rate increase history. Have their rate increases been manageable from year to year, or are they double-digits every time? Our software can provide this data for the various carriers offering Medicare plans in your area.
Pennsylvania Medicare Advantage plans
Medicare Advantage plans in Pennsylvania offer beneficiaries an alternate type of coverage that has lower premiums. Most Medicare Advantage plans use networks, such as HMO or PPO networks. Beneficiaries who enroll in them agree to use those networks whenever possible for their care.
Though premiums are lower, Pennsylvania Medicare Advantage plans often have copays that you will pay for various services, such as doctor visits, hospital daily expenses, and even cost-sharing for lab work and diagnostic tests. If you don’t mind staying in your local network for routine care, these plans may appeal to you.
Most Pennsylvania Medicare Advantage plans include a built-in Part D drug plan. This makes it convenient to use one insurance card at the doctor and at the pharmacy. Some Medicare Advantage plans in Pennsylvania also have minor extras like dental oral exams and eye exams.
Remember though, the best Medicare Advantage plans in Pennsylvania are always the plans that cover both your doctors and your important medications. Treat the “extras” as bonuses. What’s most important is getting the right health coverage.
Dental insurance for seniors in Pennsylvania
Since Original Medicare does not include dental, vision, or hearing coverage for people on Medicare, Medicare supplement plans in PA also cannot cover it.
Fortunately, we’ve found a plan that fills in this gap nicely. It has no waiting periods for many services and no networks. You are free to use your own providers. The benefits also grow over time. To learn more about this dental, vision, and hearing plan, click here.
You can also search for individual senior dental plans in popular internet browsers like Google Chrome. You’ll find a variety of reputable insurance companies offering senior dental plans.
Common Question About Pennsylvania Medicare:
Here are some common questions we get about Medicare Supplements in Pennsylvania.
About 25% of Medicare beneficiaries in Pennsylvania have a Medicare Supplement plan. The other 75% have either a Medicare Advantage plan or plain Original Medicare with or without secondary coverage.
Medicare Supplement plans in Pennsylvania are community-rated, attained-age rated, or issue-age rated. Your rating will depend on your zip code and the carrier you enroll with.
No Medicare Supplement covers prescriptions drugs. You will need to enroll in a stand-alone Part D plan to have access to prescription drug coverage.
Free help with Medicare Supplement plans in PA
Need assistance determining which of the Medicare supplement plans in PA is right for you? Our experienced licensed agents are experts in explaining how the various Pennsylvania Medicare plans function. Once you understand them, then we can assist you in finding the right Pennsylvania Medicare plans at the right price for you.
Our service is completely free, and you pay the same amount for Pennsylvania Medicare plan when using Boomer Benefits as your insurance broker. There is no increase in premium for using a Medicare supplement broker.
Call our toll-free line for help today or fill out our online request form to have an agent contact you by phone or email with quotes for Pennsylvania Medicare plans.