★★★★★
“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 serving Scranton. We publish a verified ZIP 18510 rate snapshot — not a vague statewide range — and explain premiums, discounts, and enrollment rules — without call-center pressure.
Compare Plan G, Plan N and High-Deductible Plan G rates with a licensed Pennsylvania Medicare agent.
Get personalized Medicare Supplement quotes based on your age, ZIP code, tobacco status, and eligibility circumstances.
What matters most to you?
We'll help you compare the tradeoffs.
Independent guidance
Compare multiple companies where appointed
20+ years experience
Licensed Pennsylvania Medicare agent
Serving Scranton & Lackawanna County
Based in Bethlehem, serving Northeast Pennsylvania
No added agency fee
Insurance companies compensate the agency when an enrollment is completed
A Medicare Supplement plan, also called Medigap, is private insurance that works alongside Original Medicare. It can help pay certain deductibles, copayments and coinsurance left by Medicare Part A and Part B. Plans are standardized by letter, so Plan G provides the same standardized medical benefits regardless of the insurer. Premiums, discounts, underwriting, rate history and company service can differ — which is exactly what the rate table further down this page is built to show for Scranton.
See how Medicare Supplement insurance works → · See our complete Pennsylvania Medicare Supplement guide → for statewide enrollment rules, companies, and under-65 protections.
Verified Pricing
Verified July 26, 2026 standard rates for a 65-year-old non-tobacco woman in Scranton ZIP 18510 ranged from $131.67 to $263.10 per month for Plan G — a $131.43 monthly, $1,577.16 annual spread between the lowest and highest standard-rated company.
For a 65-year-old non-tobacco woman with a standard rating in Scranton ZIP 18510, verified monthly rates on July 26, 2026 ranged from $131.67 to $263.10 for Plan G, $91.07 to $188.55 for Plan N, and $37.23 to $89.90 for High-Deductible Plan G.
| Plan | ZIP code | Verified date | Lowest rate found | Highest rate found | Spread |
|---|---|---|---|---|---|
| Plan G | 18510 | 07/26/2026 | $131.67/month | $263.10/month | $131.43/month ($1,577.16/year) |
| Plan N | 18510 | 07/26/2026 | $91.07/month | $188.55/month | $97.48/month ($1,169.76/year) |
| High-Deductible Plan G | 18510 | 07/26/2026 | $37.23/month | $89.90/month | $52.67/month ($632.04/year) |
Swipe to compare all rates.
Rates shown are a verified market snapshot for ZIP 18510 as of July 26, 2026, for a female age 65, non-tobacco applicant using standard rating. Plan G ranged from $131.67 to $263.10 per month, Plan N ranged from $91.07 to $188.55 per month, and High-Deductible Plan G ranged from $37.23 to $89.90 per month. Rates are not guaranteed and may vary by age, sex, ZIP code, tobacco use, household discounts, carrier, application date, underwriting results, and rating class. Some published price ranges combine standard rates with higher underwriting classes, so a maximum rate shown online may not represent what a healthy 65-year-old applicant would pay.
Paying more does not provide additional Plan G, Plan N, or High-Deductible Plan G benefits. Benefits for each plan letter are standardized. The insurance company, premium, discounts, underwriting, rate history, and service experience are what change.
Compare Options
Broad, standardized benefits. You're responsible for the annual Part B deductible; the plan generally helps with most other Medicare-covered cost-sharing. Often considered by people who want fewer surprises. Verified Scranton premiums start around $131.67/month.
Explore Medicare Supplement Plan GCan carry a lower premium than Plan G. In exchange, small office-visit and emergency-room copays may apply, and Plan N does not cover Part B excess charges. Verified Scranton premiums start around $91.07/month.
Explore Medicare Supplement 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. Verified Scranton premiums start around $37.23/month.
Learn MoreNot sure which plan fits you? Pick a time and we'll compare the differences with you.
Compare Scranton Medicare Supplement PlansAt A Glance — 2026 Amounts
| Feature | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|
| 2026 Part A deductible ($1,736) | Covered | Covered | Applies to plan deductible |
| 2026 Part B deductible ($283) | Beneficiary pays | Beneficiary pays | Applies to plan deductible |
| Office-visit copay | None | May apply (small, flat copay) | None, once deductible met |
| Emergency-room copay | None | May apply if not admitted | None, once deductible met |
| Part B excess-charge benefit | Covered | Not covered | Covered, once deductible met |
| Foreign travel emergency | Yes, up to plan limits | Yes, up to plan limits | Yes, up to plan limits |
| Verified Scranton (18510) monthly range | $131.67–$263.10 | $91.07–$188.55 | $37.23–$89.90 |
| Typical premium direction | Higher | Lower than Plan G | Lowest of the group |
Swipe to compare all rates.
Deductible figures are the official 2026 CMS amounts and update annually. The Scranton monthly range reflects a verified female, age 65, non-tobacco, standard-rated applicant profile for ZIP 18510 as of July 26, 2026 — see the verified Scranton rate table above for the applicant profile, details and disclosures.
Reading Rate Tables
Plan benefits are standardized by letter, but the price for that same plan can still vary meaningfully by insurance company.
Age, sex, tobacco status, ZIP code, household discounts, and underwriting status can materially change what a premium range even represents.
Pages that mix a standard-rate applicant with medically underwritten or higher-rate classes may technically show possible prices while failing to answer the practical question: what would a typical healthy 65-year-old pay?
See documented 2026 Pennsylvania Medigap increases · Why the same Medicare Supplement coverage can cost less · What to do after a Medicare Supplement premium increase
Personalized Pricing
Published rate examples can help establish a realistic range, but an actual Medicare Supplement quote depends on your age, sex, ZIP code, tobacco status, household eligibility, enrollment rights, and any required medical underwriting. Lehigh Partners can compare Plan G, Plan N, and High-Deductible Plan G premiums from the companies we represent in Pennsylvania.
Direct Answer
There is no single Medicare Supplement plan that is best for every Scranton resident. Plan G is often considered by people who want broad, predictable coverage, Plan N may appeal to someone willing to accept certain copayments for a potentially lower premium, and High-Deductible Plan G may suit someone prioritizing the lowest monthly premium over predictable upfront costs. Choosing the plan letter and choosing the insurance company are two separate decisions — standardized plans with the same letter offer the same basic benefits, but price, discounts, and service can differ by company.
Choose the benefit structure that fits how you want to share costs.
Compare insurance companies offering that plan in Scranton.
Review current premiums and any available household discounts.
Consider underwriting, service reputation, and long-term affordability.
Why It Matters
Three things people weigh most when deciding whether Medicare Supplement fits their situation.
Scranton residents may receive care locally at Geisinger Community Medical Center or Moses Taylor Hospital, or travel elsewhere in Northeastern Pennsylvania for specialists and larger medical systems.
Some people prefer a steady monthly premium in exchange for less Original Medicare cost-sharing, especially when predictable healthcare expenses are important to their retirement budget.
Standard Medigap coverage isn't tied to a Scranton-area provider network, so it can travel with you across Pennsylvania and beyond.
Pricing
A personalized quote depends on several factors specific to you.
What affects your Scranton quote
Premiums in Scranton also depend on your sex where applicable to rating, the insurance company you choose, household discount eligibility, and whether medical underwriting applies to your situation.
The plan letter determines the benefits — the company determines the price. The most accurate way to see real numbers is a short conversation with a licensed Pennsylvania agent.
Compare Current Scranton RatesWorking With a Broker
Lehigh Partners Senior Benefits is an independent Pennsylvania Medicare agency serving Scranton and Lackawanna County by phone and scheduled consultation.
An independent Medicare Supplement broker can compare the same standardized plan across multiple represented insurance companies. That matters because one company's Plan G can provide the same standardized medical benefits as another company's Plan G while charging a different premium. An independent broker can also explain household discounts, underwriting questions, enrollment rights, and the separate Part D coverage that often accompanies Medigap.
| Independent broker | Single-company agent |
|---|---|
| May compare multiple represented companies | Represents one insurer |
| Compares identical plan letters at different prices | Reviews only that company's options |
| Can discuss underwriting differences | Uses the carrier's own underwriting |
| Can coordinate Medigap and Part D | Limited to products represented |
Insurance Companies
Scranton 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. Independence Blue Cross (IBX) states it stopped selling new Medicare Supplement plans in Pennsylvania effective January 1, 2026 — existing IBX policies remain in force, but IBX is not a source of new Scranton-area applications.
Company list and rate references reflect our July 2026 rate review for a specific applicant profile — not a guarantee that every company is currently available or appointed for every Scranton applicant.
What Actually Changes
Plan G from one insurance company has the same standardized medical benefits as Plan G from another company. What can differ is the premium, household discounts, underwriting, rate-increase history, customer service, and the application experience. A lower advertised rate doesn't automatically mean the best long-term value.
Depending on eligibility and current availability, we may compare Medicare Supplement options from established insurers such as Mutual of Omaha, AARP/UnitedHealthcare, Aetna, and other companies currently offering Medicare Supplement coverage in the Scranton area. Note that Independence Blue Cross (IBX) states it stopped selling new Medicare Supplement plans in Pennsylvania effective January 1, 2026, though existing IBX policies remain in force — a reminder to confirm current carrier availability rather than rely on an older "all major carriers" list. Not every applicant will qualify for every advertised rate, and company availability can change — we compare the plans and companies currently available for your individual circumstances.
“The plan letter determines the medical benefits. The company determines the price and the experience.”
Getting Started
Timing
Step 1
Most people start exploring Medicare Supplement options as their Part B effective date nears.
Step 2
Your Part B start date sets the clock for your Medigap Open Enrollment Period.
Step 3
You can choose from the Medigap plans you're eligible to purchase in Pennsylvania during this window, generally without medical underwriting.
Step 4
Switching later may involve medical underwriting unless a guaranteed-issue right or a Pennsylvania-specific protection applies to your situation.
Reviewed July 2026. Unlike federal law, 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). Enrollment rights vary by individual circumstance, and it's important to secure approval on a replacement policy before canceling existing coverage. See our Medigap Open Enrollment guide for details, or review Pennsylvania's own rules on the PA Insurance Department Medicare Supplement page or with PA MEDI, the state's free Medicare counseling program serving Lackawanna County through the local Area Agency on Aging.
Scranton residents may receive care locally at Geisinger Community Medical Center, 1800 Mulberry St., Scranton, PA 18510 — the only Level II trauma center in Lackawanna County and a facility Geisinger says serves residents throughout Lackawanna County and Northeastern Pennsylvania — or at Moses Taylor Hospital, 700 Quincy Avenue, Scranton, PA 18510, which is presented as a campus focused on obstetrics, neonatal care, and senior behavioral health. Standard Medicare Supplement policies don't create their own provider network, so the relevant question is generally whether a doctor or hospital participates in Medicare — not whether they're "in network" for your Supplement plan. That flexibility can matter if you split time outside Lackawanna County or travel within the U.S. It's still worth verifying a provider's current Medicare participation status before you receive care, and note that Medicare Supplement plans don't include prescription drug coverage, so Part D needs to be reviewed separately.
We can help you understand what to verify before changing coverage.
Pick a Time to Compare PlansOne More Distinction
| Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| How it works | Works alongside Original Medicare | An alternate way to receive Part A & B benefits |
| Provider access | No Medigap-specific network | Plan networks and service areas may apply |
| Drug coverage | Usually needs a separate Part D plan | Frequently included |
| Cost pattern | Monthly premium, more predictable cost-sharing | Copays with an annual out-of-pocket maximum |
The right option depends on your doctors, prescriptions, travel habits, budget, and comfort with medical cost-sharing. Medicare Supplement is only one way to receive Medicare coverage — for a broader comparison that includes Medicare Advantage and Part D:
Our Process
You can also review Pennsylvania's Medicare Supplement rules through the PA Insurance Department →
Meet Your Agent
A real licensed agent, not a call center. We compare companies and help you weigh the tradeoffs.
David Scallion
Founder, Lehigh Partners Senior Benefits · Licensed Pennsylvania Medicare Insurance Agent
More than 20 years of insurance experience. Based in Bethlehem, David and the Lehigh Partners team serve Medicare beneficiaries throughout Scranton, Lackawanna County, and Northeastern Pennsylvania with independent, multi-carrier guidance where appointed. Assistance is available by phone and online, and the Medicare Supplement conversation can be coordinated with a separate Part D comparison.
View David's full profile →“The plan letter determines the standardized benefits. The insurance company determines the price, discount structure, underwriting process, and service experience. We help clients evaluate both sides of that decision.”
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 reviewWhy We Built This
Most Scranton Medicare Supplement search results are either general statewide pages with a token city mention, or programmatic pages publishing very broad "as low as" price ranges without a clear applicant profile. That makes it hard to answer a simple question: what would a typical healthy 65-year-old actually pay in Scranton? We built this page around a single verified applicant profile for ZIP 18510 — female, age 65, non-tobacco, standard rating — so Scranton residents can see a realistic, disclosed rate range instead of a number that may combine standard and higher-underwriting-class applicants.
Common Questions
Choose a convenient time to review Plan G, Plan N, High-Deductible Plan G, and available insurance companies with a licensed independent Pennsylvania agent.
No pressure. No obligation. Independent Medicare guidance from Lehigh Partners Senior Benefits.