The Best Pennsylvania Medicare Supplement Plans (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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%.