Pennsylvania Medicare plans include Medicare supplements, Medicare Advantage plans and Part D drug options. The purpose of Pennsylvania Medicare supplements is to pay for the gaps in Medicare so that you don’t have to.
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 PA 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.
Best Medicare Supplement Plans Pennsylvania
Many people ask us our opinion on who offers the best Medicare supplements plan in Pennsylvania. Fortunately, Medicare took the work out of that for us when they standardized the plan. Each plan covers a certain set of benefits. This makes it easier to compare between carriers. For example, Medigap Plan A covers your 20% outpatient co-insurance but leaves the deductibles and excess charges for you.
Pennsylvania Medicare Supplement Plan F, however, covers all of the gaps in Medicare. You will have no copays or out-of-pocket spending for any Medicare-covered service with this plan. There are a number of other options in between, such as Plan G and Plan N. Medicare Supplement Plan N gives you lower premiums because you will pay your own Part B deductible and excess charges.
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 extra like dental oral exams and eye exams. R
emember 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 PA
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.
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.