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May 6, 2024

Based on available information, Aetna is noted to have some of the cheapest prices for Medicare Supplement plans in Pennsylvania. For example, Aetna's Plan N policy is priced at $90 a month, which is 30% cheaper than the state average. Additionally, across the board, Aetna's plans are priced 21% below the Pennsylvania average.

However, it's important to note that insurance rates can vary depending on factors such as location, coverage limits, and individual circumstances. To get the most accurate information on the lowest prices for Medicare Supplement insurance in PA, it is recommended to contact an insurance agency directly and obtain personalized quotes.

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What Are the Best Medicare Supplement Plans in Pennsylvania?

If you're planning to enroll in a Medicare Supplement plan in Pennsylvania, you're not alone. With around 2.4 million people aged 65 and older in the state, accounting for over 18% of the population, it's crucial to have health insurance coverage in retirement. To help simplify your search for the best plan, we have compiled a snapshot of the market in Pennsylvania. This overview includes the number of plan options available, popular providers, and the average monthly cost for a plan.

Medicare Supplement Plans in Pennsylvania

More than 40 private health insurance providers offer Medicare Supplement plans in the state of Pennsylvania, including:

  • AARP/UnitedHealthcare
  • Aetna
  • American Benefit Life Insurance Company
  • Avalon Insurance Company
  • Bankers Fidelity Assurance Company
  • Blue Cross of Northeastern Pennsylvania
  • Cigna National Health Insurance Company
  • Capital Life Insurance Company
  • Elips Life Insurance Company
  • Erie Family Life Insurance Company
  • Everence Association Inc.
  • Federal Life Insurance Company
  • Globe Life and Accident Insurance Company
  • GPM Health and Life Insurance Company
  • Guarantee Trust Life Insurance Company
  • Heartland National Life Insurance Company
  • Highmark Blue Cross Blue Shield
  • Humana
  • LifeShield National Insurance Company
  • Manhattan Life Assurance Company
  • Medico Insurance Company
  • Mutual of Omaha
  • Nassau Life Insurance Company
  • New Era Life Insurance Company of the Midwest
  • Physicians Life Insurance Company
  • Royal Arcanum
  • SBLI USA Life Insurance Company, Inc
  • State Farm Mutual Automobile Insurance Company
  • Transamerica Life Insurance Company
  • Union Security Insurance Company
  • United American Insurance Company
  • USAA Life Insurance Company
  • Washington National Insurance Company
  • Wellcare (Centene)
  • Wisconsin Physicians Service Insurance Corporation

According to the National Association of Insurance Commissioners, UnitedHealthcare holds the dominant position in the Pennsylvania Medicare Supplement market, with a market share of over 33% in 2021.

It's important to note that plan availability may vary by ZIP code, meaning that not all providers listed above offer Medicare Supplement plans in every county of Pennsylvania.

Medicare Supplement plan letters are standardized, which means that regardless of the company you choose, a Plan G policy will provide you with the same coverage. Therefore, when shopping for a Medigap policy, it is essential to focus on the plan letter, price, and customer service.

How to Choose the Right Medicare Supplement Plan for You

Whether you are approaching the age of 65, experiencing another qualifying event, or reviewing your plan options, there are several factors to consider when evaluating Medicare Supplement plans.

To identify the most suitable plan for your needs, start by considering:

  • Your current and potential future healthcare needs, taking into account your current health status and family medical history.

  • Your healthcare budget, both now and in the future.

With these considerations in mind, compare the benefits typically offered by each type of Medigap plan and select the one that best meets your current and potential future requirements. It may be beneficial to consult with a licensed insurance agent, such as Lehigh Partners Senior Benefits, to gain a comprehensive understanding of the variations between each plan type and their implications for your coverage.

Next, research which insurance companies in your state are authorized to offer the specific Medigap plan that aligns with your needs. While costs can differ depending on the company, state, and other factors, the coverage provided remains the same. Following this comparison, choose a Medigap plan and policy that best aligns with your preferences.

Which Medicare Supplement plan is the most recommended in Pennsylvania?

Medigap Plan G is frequently regarded as the top choice for residents of Pennsylvania. This plan offers extensive coverage for individuals who are new to Medicare. However, if you prioritize affordable monthly rates, you may want to consider Medigap Plan N.

What are the costs associated with Medigap insurance in Pennsylvania?

The monthly costs of Medigap insurance in Pennsylvania typically range from $48 to $217. The specific rate you will be quoted depends on the letter associated with your chosen plan. On average, a Plan G policy for a 65-year-old non-smoking woman in Pennsylvania would cost around $163 per month.

Compare And Find The Best Medicare Supplement Insurance Plan

  • Choose from ten standardized Medicare supplement plan options
  • Compare the benefits offered by each type of plan online
  • Our own licensed agents, all based in the USA
  • Call to speak to a licensed insurance agent to help find the best Medicare plan for your needs

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Talk to us: (833) 265-9655 

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