Aetna has the best Medicare supplement plans in Pennsylvania, with 27% below average rates for the most popular plan in the nation (Plan G). However, you should also look into Cigna and UnitedHealthcare for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Pennsylvania
Updated: May 28, 2025
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Key Takeaways
Aetna offers the best and cheapest Medicare Supplement plans for the most popular policy in the state, Plan G, for $103 per month.
Monthly costs for Medicare Supplement plans in Pennsylvania range from $67 to $250, depending on your chosen policy.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Pennsylvania?
| Aetna | $103 | $1,241 |
| Cigna | $159 | $1,903 |
| UnitedHealthcare | $164 | $1,970 |
*Pricing shown is for Medicare Supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Pennsylvania
The top companies for the most popular plans nationwide are listed above, but your needs might differ. Check out the filterable table below to find the best and most affordable company for you.
Data filtered by:Results filtered by:
Select
Plan Letter:A
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Age:65
| Aetna | $137 | $1,640 |
| Cigna | $135 | $1,625 |
| UnitedHealthcare | $92 | $1,108 |
Pennsylvania Medicare Supplement Plan Cost
On average, Medicare Supplement Plan G costs around $142 monthly or $1,705 per year for 65-year-olds in Pennsylvania. However, monthly rates can vary widely, ranging from $67 to $250, depending on your chosen provider.
| A | $121 | $168 |
| B | $155 | $223 |
| C | $250 | $389 |
| F | $196 | $291 |
| G | $142 | $207 |
| K | $67 | $121 |
| L | $113 | $203 |
| N | $118 | $180 |
Pennsylvania Medicare Supplement Coverage Guide
Choosing the right Medicare Supplement plan and company can be challenging with numerous options and considerations. This guide details what coverage is available, how to choose which plan you need, and how to get the best cheap company for you.
Pennsylvania Medicare Supplement Plan Comparison Chart
All Medicare Supplement plans, regardless of your state, have standardized coverage. The table below summarizes what each Medicare Supplement (Medigap) plan letter covers.
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
|
|
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How to Decide Which Medicare Supplement Plan You Need
Choosing a Medicare Supplement plan depends on your eligibility, financial situation, age, health condition and lifestyle. Consider these factors to make the best choice.
Eligibility
New enrollees have access to all plans except C or F. Those eligible for Medicare before 2020 can choose from all 10 plans.
Age, condition and lifestyle
Your age, pre-existing conditions and lifestyle help determine your needed coverage. Consider how likely you'll use different coverage items and consult a medical professional or Medicare Supplement specialist for guidance.
Financial status
Your ability to pay for coverage matters, regardless of risk factors and coverage needs. Find plans that match your risk profile and remain affordable.
How to Find the Best Pennsylvania Medicare Supplement Company
Once you've decided what plan is right for you, it's time to compare companies. Here are the key things to look for in a Medicare Supplement provider in Pennsylvania.
- 1
Customer satisfaction and complaints
Insurance companies can sometimes receive complaints about service issues. To find a reliable provider, check customer ratings from J.D. Power and the NAIC.
- 2
Plan pricing
Costs for identical plans can differ between companies. Compare plans side by side. Look for the most affordable options without compromising coverage and service quality.
- 3
Added benefits
Some insurers offer discounts on related products, such as gym memberships. These benefits can enhance the value of your plan, whether it includes Medicare supplemental insurance or another policy type.
Best Medigap Plans in Pennsylvania: Bottom Line
Aetna, Cigna and United Healthcare are Pennsylvania's best Medicare Supplement insurance providers. Compare reputations, benefits and pricing to find your ideal plan.
Medicare Supplement Plans Pennsylvania: FAQ
Here are answers to frequently asked questions about Medicare Supplement insurance in Pennsylvania.
What is the best Medicare Supplement provider in Pennsylvania?
Aetna is the best health insurance provider for the most popular Medigap plan in Pennsylvania. Its pricing is 27% lower than the state average, making it the most affordable company in the state.
What is the cost of Medicare Supplement plans in Pennsylvania?
Depending on your plan selection, Medicare Supplement plans cost between $803 and $4,667 per year. The most popular plan in the state, Plan G, has average costs between $1,705 and $2,479 per year.
How We Decided the Best Medicare Supplement Companies in Pennsylvania
MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Pennsylvania for 65-year-olds and 75-year-olds. Plans qualified as "best" only when accurate online quotes were available. The analysis used Medicare Supplement Plan G, the most popular plan nationwide, to determine the best and most affordable providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.