The Best Pennsylvania Medicare Supplement Plans (2022)

You can choose from 10 Medicare Supplement plans in Pennsylvania. However, the number of available policies will vary depending on when you became eligible.

Cigna and Aetna offer the best Medicare Supplement plans in the state. Keep in mind that you cannot simultaneously have both a Medigap and a Medicare Advantage plan. When you buy a Medicare Advantage plan in Pennsylvania, it will replace your existing Medicare plans, including Original Medicare.

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Last Updated: 7/1/2022
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In Pennsylvania, Medicare Supplement plans typically cost $131 per month for 65-year-olds and $213 per month for 75-year-olds. Plans F and G are extremely popular due to their comprehensive coverage. These cost, on average, $290.79 and $132.40 per month, respectively. Note that Plan F will only be available to you if you became eligible for Medicare before 2020.

The next most popular plan is Plan N, which offers similar coverage to Plans F and G, but carries excess charges. This alternative plan costs an average of $118.20 per month for 65-year-olds and $179.58 monthly for 75-year-olds.

MoneyGeek based its analysis of the best options for these three Medicare Supplement plans based on average premiums and benefits. If you wish to learn more about different types of plans and coverages, read our guide on the best Medicare Supplement Plan in Pennsylvania.

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Best Medicare Supplement Plans in Pennsylvania

Best Medicare Supplement Plan G in Pennsylvania

The best company for Medigap Plan G in Pennsylvania is Aetna, with an average monthly cost of $152.38. Aetna also has a high-deductible version of the same plan which costs $54.39 per month.

MoneyGeek’s rankings were limited to insurers that provide online quotes. It is possible that there are other Medigap providers in Pennsylvania that offer competitively priced policies, but do not provide online estimates.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $152.38

Aetna’s Medigap Plan G is slightly cheaper than the average Medigap Plan G monthly premium of $159.80 in Pennsylvania. Aetna’s plan covers emergency care and urgent care services during foreign travel, which makes it an attractive option for seniors who go on frequent vacations overseas.

With Aetna, you also have the option to select a high-deductible plan in which you must pay for Medicare-covered costs up to a deductible of $2,490. If you choose this option, you’ll pay a lower monthly premium of $54.39.

MORE ABOUT PLAN G IN PENNSYLVANIA

Navigate to learn more about Medigap Plan G in Pennsylvania, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Pennsylvania

In Pennsylvania, you should expect to pay an average of $159.80 per month for a Medicare Supplement Plan G.

But, premiums can vary greatly depending on the insurer. For instance, Aetna offers the cheapest Plan G for 65-year-olds at $103.40 per month, while UnitedHealthcare has the most expensive plan at $164.20 monthly.

Costs can also differ depending on how old you were when you purchased your plan, your current age, any discounts that your provider offers, as well as medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $103
  • Cigna
    $159
  • UnitedHealthcare
    $164

Providers Offering Plan G in Pennsylvania

Forty-three companies offer Plan G in Pennsylvania. However, not all of these companies were included in our analysis because they do not offer online quotes.

To help you find the provider that best fits your needs, MoneyGeek collected contact information for all Plan G providers in Pennsylvania. We also included their pricing methods, so you’ll know which ones tend to charge more depending on your age.

Providers Offering Plan G in Pennsylvania

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Capital Blue Cross
    717-541-7000
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

Regardless of your plan, all Medigap policies are standardized and must include certain benefits. Note, however, that Plan G does not include Part B deductibles and only covers 80% of foreign travel exchange up to your plan’s limits.

You may also receive additional benefits on top of the standard coverages depending on your insurer. One example is Aetna’s foreign travel emergency care services.

Required Benefits of Plan G in Pennsylvania
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Pennsylvania

In Pennsylvania, Cigna is the best provider of Medicare Supplement Plan F, with an average monthly premium of $238.11.

However, note that MoneyGeek only collected information from insurers in the state that provide estimates online. There may be other insurers in Pennsylvania that offer better rates and policies but do not provide online quotes.

mglogo
MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $238.11

Cigna has more affordable Medigap Plan F premiums than the average Medigap Plan F in Pennsylvania, which costs an average of $290.80 per month.

Alongside standard benefits, Cigna also offers additional perks, such as the Cigna Healthy Rewards Program and foreign travel emergency care services. There is also a dedicated Health Information Line that operates 24/7 where you can speak with a health advocate by phone at 800-244-6224.

MORE ABOUT PLAN F IN PENNSYLVANIA

Navigate to learn more about Medigap Plan F in Pennsylvania, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Pennsylvania

Medicare Supplement Plan F has a monthly average cost of $290.80 in Pennsylvania. Several factors contribute to the actual cost of your premiums, including how old you were when you bought your plan, your current age, provider discounts and medical underwriting factors.

In Pennsylvania, Cigna offers the most affordable Plan F for 75-year-olds at $238.10 per month. This is around $152 cheaper than the most expensive option which is provided by UnitedHealthcare at $390.20 per month.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $196

Providers Offering Plan F in Pennsylvania

A total of 42 companies offer Medigap Plan F in Pennsylvania, but not all provide estimates online.

To help you find the insurer that best fits your needs, MoneyGeek collected contact information for all Plan F providers across the state. We’ve also listed their pricing schemes for you to see which ones will likely charge more depending on your age.

Providers Offering Plan F in Pennsylvania

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Capital Blue Cross
    717-541-7000
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan F Cover?

Plan F is a comprehensive health care policy that is standardized across different insurers. This means that all providers must ensure that their Plan F offerings contain the minimum required benefits. However, Plan F only covers 80% of foreign travel exchange up to plan limits.

On the upside, some insurers provide additional features to attract would-be consumers. For example, Cigna offers its Healthy Rewards Program and foreign travel emergency care services, as well as a 24/7 Health Information Line.

Required Benefits of Plan F in Pennsylvania
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Pennsylvania

MoneyGeek’s recommendation for the best Medicare Supplement Plan N provider in Pennsylvania is Aetna, which is also our top pick for the best Plan G policies in the state. Aetna’s Plan N costs $105.51, on average.

Note that these rankings are based on companies’ online quotes, so there might be other insurers with better rates and policies that have little business presence online. We advise that you contact these insurers directly to get quotes.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $105.51

Aetna’s Medigap Plan N is around $43 cheaper than the average monthly cost of $148.90 for Plan N premiums in Pennsylvania.

Aetna’s Plan N has the added benefit of Foreign Travel Emergency, which will cover 80% of costs, up to a lifetime maximum benefit of $50,000, from emergency care received outside of the United States.

MORE ABOUT PLAN N IN PENNSYLVANIA

Navigate to learn more about Medigap Plan N in Pennsylvania, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Pennsylvania

On average, Medicare Supplement Plan N costs $148.90 per month in Pennsylvania, but many factors can cause this rate to fluctuate, such as your age when you purchased your plan, your current age and discounts offered by your insurer.

To illustrate, the cheapest Plan N for a 65-year-old in Pennsylvania is from Aetna which charges $105.50 per month. This is almost $35 cheaper than the most expensive Plan N in the state which is offered by UnitedHealthcare at $140.30 per month.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $106
  • Cigna
    $109
  • UnitedHealthcare
    $140

Providers Offering Plan N in Pennsylvania

Plan N is available from 42 companies in Pennsylvania. Some of these providers do not offer quotes online, so MoneyGeek has compiled a list of all Plan N providers across the state with their contact details to make your search easier. We’ve also indicated insurers’ pricing methods so you can quickly check which ones tend to charge more depending on age.

Providers Offering Plan N in Pennsylvania

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Capital Blue Cross
    717-541-7000
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan N Cover?

Like other Medigap policies, Plan N is standardized and must include a minimum number of benefits, such as Part A coinsurance and deductibles. But, note that Plan N does not cover Part B deductibles and Part B excess charges, and it only covers 80% of foreign travel exchange up to your plan limits.

Providers can also have other features included in their Plan N offerings. For example, Aetna’s Plan N in Pennsylvania also covers foreign travel emergency care.

Required Benefits of Plan N in Pennsylvania
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Pennsylvania: Other Plan Types

Aside from Plans G, F and N, there are other Medicare Supplement Plan types that are available for purchase in Pennsylvania, such as Plans A, B, C, K and L. However, these tend to be less popular because they offer less comprehensive protection.

MoneyGeek’s analysis identified Aetna as the best provider for Plan B and UnitedHealthcare as the best for Plans A, C, K and L.

Note that our rankings were limited to companies with online quotes, which included UnitedHealthcare, Aetna and Cigna.

Also, keep in mind that if you first became eligible for Medicare after January 1, 2020, Plan C won't be available to you in Pennsylvania or any other state.

The Best Medicare Supplement in Pennsylvania - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $92.26

  • B

    Aetna

    $152.15

  • C

    UnitedHealthcare

    $388.85

  • F

    Cigna

    $238.11

  • G

    Aetna

    $152.38

  • K

    UnitedHealthcare

    $66.94

  • L

    UnitedHealthcare

    $112.69

  • N

    Aetna

    $105.51

How to Find the Best Medicare Supplement Plans in Pennsylvania

If you find the topic of Medicare Supplement Plans difficult or confusing, you are not alone. To simplify the process, MoneyGeek included a comparison chart with the pricing information for different companies in Pennsylvania.

Pennsylvania Medicare Supplement Plans Comparison Chart

The availability and coverage of Medigap plans typically vary depending on the plan and on the date when you became eligible for Medicare. To illustrate, Plan F and Plan C tend to offer the most comprehensive coverages, but these are no longer available to new enrollees because they have been replaced by Plan G and Plan D.

Use MoneyGeek’s chart to compare Medicare Supplement Plan coverages and average rates in Pennsylvania.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Pennsylvania

The cost of a Medigap plan varies depending on the plan type and provider.

Cigna has the lowest monthly premium for Plan F, while Aetna is the most affordable provider for Plan G, Plan N and Plan B in Pennsylvania. UnitedHealthcare offers the cheapest rates for the remaining letter plans.

Medigap providers generally use one of three pricing styles:

  • Attained-Age: With this pricing style, your provider will base your premium on your current age, so your rates will become more expensive as you get older. This is the most common pricing style in Pennsylvania.
  • Issue-Age: Your provider will base your rates on your age when you were issued your Medigap policy. This is the second most common pricing method among insurers in Pennsylvania.
  • Community-Rated: Providers charge the same monthly premiums, regardless of the insured’s age. This is the least common pricing scheme in Pennsylvania.
Average Cost of Medicare Supplement in Pennsylvania

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $92
  • Cigna
    $135
  • Aetna
    $137

FAQs About Medicare Supplement Plans in Pennsylvania

MoneyGeek answered some of the most frequently asked questions about Medicare Supplement Plans in Pennsylvania to help you find the best insurer for your needs.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Pennsylvania for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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