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Bob Bromiley Google reviewCompare Plan G, Plan N, High-Deductible Plan G, and available Pennsylvania insurance companies with help from an independent Medicare agency based in Pennsylvania. We explain standardized benefits, current premiums, discounts, enrollment rights, and practical tradeoffs — without call-center pressure.
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Lehigh Partners 2026 Rate Research
Plan G
Observed starting rates
$137.86–$176.21/mo
Plan N
Observed starting rates
$91.07–$118.74/mo
Independent guidance
Multi-carrier, not tied to one insurer
20+ years experience
Licensed Pennsylvania Medicare agent
Statewide reach
Based in Bethlehem, serving all of Pennsylvania
No cost to work with us
Same premium whether you use an agent or not
Last reviewed: August 12, 2026
Direct Answer
Plan G
Predictable Coverage
Best fit for consumers prioritizing broad standardized benefits and predictable Medicare-covered expenses.
Plan N
Lower Premium Potential
Best fit for consumers prioritizing potentially lower monthly premiums and willing to accept limited cost sharing.
High-Deductible Plan G
Lower Monthly Cost, Higher Upfront Exposure
Best fit for consumers prioritizing lower monthly premiums while accepting more upfront exposure.
There is no single Medicare Supplement plan that is best for every Pennsylvania beneficiary. The right fit depends on how you want to balance monthly premium against predictable, upfront cost exposure.
Verified Rates
Premiums requested effective October 1, 2026, for a 67-year-old female, non-tobacco test profile, verified August 5–11, 2026.
Across the seven Pennsylvania markets tested, comparable Plan G premiums started between $137.86 and $176.21 per month, while Plan N premiums started between $91.07 and $118.74 per month, for the same 67-year-old female, non-tobacco test profile. Displayed premiums reflect the quote settings and carrier-specific discounts shown in our October 2026 comparison. Actual premiums and discount eligibility vary by applicant and company.
| Market | ZIP | Plan G range | Lowest G used | Plan N range | Lowest N used |
|---|---|---|---|---|---|
| Philadelphia | 19106 | $176.21–$248.26 | $176.21 · Medico Life and Health / Wellabe | $118.74–$228.00 | $118.74 · Humana Achieve |
| Pittsburgh | 15241 | $151.69–$244.00 | $151.69 · Medico Life and Health / Wellabe | $110.26–$228.00 | $110.26 · Humana Achieve |
| Bethlehem | 18020 | $137.86–$211.00 | $137.86 · Insurance Company of North America / Chubb | $91.07–$197.00 | $91.07 · Insurance Company of North America / Chubb |
| Allentown | 18101 | $137.86–$211.00 | $137.86 · Insurance Company of North America / Chubb | $91.07–$197.00 | $91.07 · Insurance Company of North America / Chubb |
| Scranton | 18504 | $137.86–$211.00 | $137.86 · Insurance Company of North America / Chubb | $91.07–$197.00 | $91.07 · Insurance Company of North America / Chubb |
| Camp Hill / Harrisburg area | 17011 | $137.86–$211.00 | $137.86 · Insurance Company of North America / Chubb | $91.07–$197.00 | $91.07 · Insurance Company of North America / Chubb |
| Erie | 16506 | $137.86–$244.00 | $137.86 · Insurance Company of North America / Chubb | $91.07–$228.00 | $91.07 · Insurance Company of North America / Chubb |
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Rates shown are examples for the stated test profile. Actual premiums, discount eligibility, and underwriting can vary by applicant and company. A Physicians Mutual Plan G quote also appears in our source data in several markets, but it is filed under a rating class labeled "Innovative" and is excluded from this comparable range — see Research Notes below for detail. Source: CSG Medicare Supplement quote comparisons, supplied and verified by Lehigh Partners Senior Benefits, August 5–11, 2026. Full company-by-company detail, before/after comparisons, and methodology are on our 2026 Pennsylvania rate increase page.
Choosing a time opens a scheduling calendar — not an instant price.
2026 Pennsylvania Medicare Supplement rate increases. Several Pennsylvania companies documented or displayed Plan G and Plan N premium changes in 2026. See our 2026 Pennsylvania Medicare Supplement rate increases, with ZIP-level Plan G and Plan N examples by market, or read more generally about what to do after a Medicare Supplement premium increase and why identical Medigap plans can have different prices.
Methodology
Applicant Profile
Age 67
Female
Non-tobacco
Markets Tested
7 Pennsylvania ZIP codes
Philadelphia to Erie
Plans
Plan G
Plan N
Data / Date
CSG comparison
Aug. 5–11, 2026 research
Oct. 1, 2026 effective date
See the full company-by-company detail on our 2026 Pennsylvania rate increase page.
At A Glance — 2026 Amounts
| Feature | Plan G | Plan N | High-Deductible Plan G | Plan F |
|---|---|---|---|---|
| New-to-Medicare eligibility | Yes | Yes | Yes | No — before 1/1/2020 only |
| 2026 Part A deductible ($1,736) | Covered | Covered | Applies to plan deductible | Covered |
| 2026 Part B deductible ($283) | Beneficiary pays | Beneficiary pays | Applies to plan deductible | Covered |
| Office-visit copay | None | May apply (small, flat copay) | None, once deductible met | None |
| Emergency-room copay | None | May apply if not admitted | None, once deductible met | None |
| Part B excess-charge benefit | Covered | Not covered | Covered, once deductible met | Covered |
| Foreign travel emergency | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits |
| Typical premium direction | Higher | Lower than Plan G | Lowest of the group | Highest of the group |
| Upfront cost exposure | Lower | Low to moderate | Higher, until deductible met | Lowest |
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Deductible figures are the official 2026 CMS amounts and update annually. Premium tendencies are general — actual pricing depends on the insurer, ZIP code, age, and other underwriting factors.
Legacy eligibility: Plan F is only available to people who became eligible for Medicare before January 1, 2020 — it isn't an option for newly eligible beneficiaries, who typically consider Plan G instead for similarly broad coverage.
Insurance Companies
Medigap benefits are standardized by plan letter. A Plan G policy doesn't provide more standardized Medicare gap coverage simply because one company charges more for it than another does — the core benefits are the same from every insurer. What can differ between companies is premium, available discounts, rate history, underwriting, plan availability, administration and service, and the application process.
| Company | Plans we verified rates for | What we can confirm |
|---|---|---|
| Medico Life and Health / Wellabe | Plan G, Plan N | Lowest comparable Plan G quote in the Philadelphia and Pittsburgh markets; Plan N rates were also returned in our comparison, October 2026. |
| Humana Achieve | Plan N | Lowest comparable Plan N quote in the Philadelphia and Pittsburgh markets, October 2026. |
| Insurance Company of North America / Chubb | Plan G, Plan N | Lowest comparable Plan G and Plan N quote in the Bethlehem, Allentown, Scranton, Camp Hill/Harrisburg, and Erie markets, October 2026. |
| United of Omaha | Plan G | High end of the comparable Plan G range in the Philadelphia market, October 2026. |
| United American | Plan G, Plan N | High end of the comparable Plan G range in several markets, and the Plan N range in Erie, October 2026. |
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These are the companies we have verified, comparable, ZIP-level Plan G and Plan N rate data for. Physicians Mutual also appears in our source data, but under a Plan G product filed as a rating class labeled "Innovative," which is not the Plan G product being compared above, so we haven't included a Physicians Mutual figure in the comparable range — ask a licensed agent if you'd like to discuss that product specifically.
These companies and products appeared in our October 2026 Pennsylvania Plan G and Plan N quote comparisons (67F, non-tobacco, October 1, 2026 effective date). This is our verified quote-market carrier set — not a claim that these are all the companies available in Pennsylvania, or that every company offers every plan in every ZIP code.
Nassau Life and LifeShield National appear in our verified quote comparisons for these Pennsylvania ZIP codes but weren't the low or high end of the comparable range in any market tested; New Era Life of the Midwest appeared on Plan N only. The AARP/UnitedHealthcare tile above represents two distinct products in our data — a UnitedHealthcare product and a UnitedHealthcare Insurance Company of America product.
Agent InsightThe plan letter determines the standardized benefits, but the insurance company determines the premium, available discounts, underwriting process, and service experience. Work with a licensed local Medicare agent to compare both sides of the decision.
Compare Companies for My ZIPMedicare Supplement insurance (Medigap) is private coverage that works alongside Original Medicare. It can help pay certain deductibles, copayments, and coinsurance that Medicare Part A and Part B leave behind. Plans are standardized by letter, so a Plan G policy offers the same core benefits from any insurer — premiums, discounts, underwriting, and company service are what differ.
For the Pennsylvania Insurance Department's own consumer guidance, see its Medicare Supplement resource. For how Medigap standardization and enrollment work at the federal level, see Medicare.gov's Medigap pages.
Pricing
What affects your Pennsylvania premium
See our verified October 2026 Plan G and Plan N rate research across seven Pennsylvania markets near the top of this page for actual dollar ranges by ZIP code.
The most accurate way to see real numbers for your ZIP code and situation is a short conversation with a licensed local agent.
Compare Current Pennsylvania RatesChoosing a time to talk with an agent opens a scheduling calendar — it does not display an instant price. A real quote requires a short conversation about your ZIP code, age, and plan preference.
Pennsylvania-Specific Rules
Three regulatory questions Pennsylvania beneficiaries ask most, with primary-source citations for each.
Pennsylvania generally prohibits healthcare practitioners from balance billing Medicare beneficiaries above the Medicare-approved amount for covered services provided in Pennsylvania. This reduces the practical risk of Part B excess charges for care received in the state. Rules may differ when a Pennsylvania resident receives care in another state.
Plan N does not include a benefit for Part B excess charges. Pennsylvania's protections may reduce that exposure for services received in Pennsylvania, but people who travel should still understand how the rules may differ elsewhere.
Related to Pennsylvania's Health Care Practitioners Medicare Fee Control Act (Act of July 10, 1990, P.L. 352, No. 81).
Because Pennsylvania limits excess-charge exposure for in-state care, some Pennsylvania residents weigh Plan N's lower premium against a benefit that matters less locally — but more while traveling.
Yes, in certain situations. Unlike federal law, which doesn't guarantee Medigap access to people under 65, Pennsylvania's Medigap open enrollment protection applies without regard to age. Under 31 Pa. Code § 89.778, this covers people who enroll in Medicare Part B before age 65 — for example, because of a disability or end-stage renal disease (ESRD) — the same way it covers those who enroll at 65 or older.
Specific plan availability and underwriting details can vary by insurer. A licensed agent can confirm current options for your situation.
Source: 31 Pa. Code § 89.778 (open enrollment); Pennsylvania Insurance Department Medigap guidance.
Most people start exploring Medicare Supplement options as their Part B effective date nears. That effective date sets the clock for the six-month Medigap Open Enrollment Period, which generally offers guaranteed acceptance and no medical underwriting. Applications after that window may involve underwriting unless a guaranteed-issue right applies to your situation.
The Medigap Open Enrollment Period is different from the annual Medicare Open Enrollment Period (October 15–December 7), which applies to Medicare Advantage and Part D. Secure approval and an effective date for a replacement policy before canceling existing coverage.
See our Medigap Open Enrollment guide or learn how to apply for Medicare Supplement insurance for details.
Local Guidance
Compare Plan G, Plan N, verified local rates, insurers, and local Medigap guidance for Allentown residents.
View Allentown GuideCompare Plan G, Plan N, verified Bethlehem rates, and local Medigap guidance from our Bethlehem home office.
View Bethlehem GuideCompare Plan G, Plan N, High-Deductible Plan G, verified local rates, and Medigap guidance for Scranton residents.
View Scranton GuideWhy Lehigh Partners
Pennsylvania Medicare Supplement help without the call-center feel.
David Scallion
Founder, Lehigh Partners Senior Benefits · Licensed Medicare Insurance Agent
More than 20 years of insurance experience. Based in Bethlehem, serving Medicare beneficiaries throughout Pennsylvania with independent, multi-carrier guidance where appointed. Assistance is available by phone, online, and locally where practical — and the Medicare Supplement conversation can be coordinated with a separate Part D comparison.
View David's full profile →Client Reviews
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Robert Haffner Google review“I needed information and advice for both myself and my mother on how to assess our medical insurance and its rising costs. It was easy to understand and process.”
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