★★★★★
“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare.”
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.
Pick a convenient time to compare Pennsylvania Medigap options with a licensed agent.
What matters most to you?
We'll help you compare the tradeoffs.
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
Medicare 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.
Compare Options
Broad standardized benefits. Doesn't pay the annual Part B deductible. Often considered by people who prioritize predictable medical costs over the lowest possible premium.
Explore Plan GMay carry a lower premium than Plan G. Certain office-visit and non-admitted ER copayments may apply, and Plan N doesn't cover Part B excess charges.
Explore Plan NA lower-premium structure. You pay Medicare-covered costs out of pocket until you reach the plan's annual deductible, then the plan pays.
Learn MoreBroad legacy coverage, including the Part B deductible. Only available to people who became eligible for Medicare before January 1, 2020.
Learn MoreNot an option for newly eligible beneficiaries.
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 |
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.
Direct Answer
There is no single Medicare Supplement plan that is best for every Pennsylvania resident. Plan G may appeal to someone seeking broad and predictable coverage. Plan N may appeal to someone willing to accept certain copayments for a potentially lower premium. High-Deductible Plan G may suit someone prioritizing a lower monthly premium over predictable upfront costs. Find the plan that best fits your priorities.
Choose the benefit structure that fits you.
Compare companies offering that plan.
Review current premiums and discounts.
Consider enrollment rights, underwriting, and long-term affordability.
Agent Insight
The 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.
Pick a Time to Compare PlansPricing
What affects your Pennsylvania premium
Pennsylvania's PA MEDI program reports that 2026 Medicare Supplement premiums can range from approximately $49 to $300 per month statewide, depending on the policy, location, and applicant factors.
Source: PA MEDI (Pennsylvania Department of Aging Medicare counseling program). This is a broad statewide range, not a personal quote.
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.
2026 Pennsylvania Medicare Supplement rate increases. Several Pennsylvania companies — including American Benefit Life, Heartland National Life, Nassau Life, LifeShield National, and USAA — documented or displayed Plan G and Plan N premium increases 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.
Pennsylvania-Specific Rule
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.
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.
Under-65 Eligibility
Yes, in certain situations. Unlike federal law, which doesn't guarantee Medigap access to people under 65, Pennsylvania requires Medigap insurers to make coverage available to Medicare beneficiaries under age 65 who qualify because of a disability or end-stage renal disease (ESRD).
Specific plan availability and underwriting details can vary by insurer. A licensed agent can confirm current options for your situation.
Source: Pennsylvania Insurance Department Medigap guide; Pennsylvania Code Title 31, Chapter 89, Subchapter K.
Timing
Step 1
Most people start exploring Medicare Supplement options as their Part B effective date nears.
Step 2
Your Part B effective date sets the clock for your Medigap Open Enrollment Period.
Step 3
Generally guaranteed acceptance and no medical underwriting during this window.
Step 4
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 for details.
Insurance Companies
Pennsylvania residents may find Medicare Supplement plans from established insurers such as AARP/UnitedHealthcare, Mutual of Omaha, Wellabe, Aetna, Cigna, Bankers Fidelity, and Physicians Mutual. Availability, plan selection, premiums, discounts, and underwriting rules can vary by ZIP code and applicant.
Local Guidance
More Pennsylvania city guides are on the way — check back as new areas launch.
Compare Plan G, Plan N, costs, 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 GuideLocal Medigap guidance for Easton residents.
Local Medigap guidance for Reading residents.
Compare Plan G, Plan N, High-Deductible Plan G, verified 18510 rates, and local Medigap guidance for Scranton residents.
View Scranton GuideLocal Medigap guidance for Harrisburg residents.
Local Medigap guidance for Lancaster residents.
Local Medigap guidance for Philadelphia residents.
Local Medigap guidance for Pittsburgh residents.
Why Lehigh Partners
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
“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare.”
Bob Bromiley Google review“Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs.”
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.”
Dan Fornataro Google reviewCommon Questions
Choose a convenient time to review Plan G, Plan N, High-Deductible Plan G, and available insurance companies with a licensed independent agent.
No pressure. No obligation. Independent Medicare guidance from Lehigh Partners Senior Benefits.