Best Medicare Supplement Plans in Pennsylvania
Allstate Health Solutions offers the most competitive Medicare Supplement plan rates in Pennsylvania. Plan G, priced at an average of $141.86 per month in Philadelphia County, provides the highest level of coverage. In Allegheny County, Plan N rates were, on average, $96.21 per month.
Our 2024 review of Allstate Medicare Supplement revealed the following key findings:
- Premiums are 12% more affordable on average.
- Up to 25% stackable discount is available.
- Excellent company financial ratings.
- Access to a user-friendly web portal.
Policyholders enjoy the following perks:
- Active&Fit fitness program.
- Guaranteed policy renewal for life.
- No requirement for specialist referrals.
- Nationwide coverage with Medicare-accepting providers.
In addition to the above, Allstate also offers dental insurance policies with three coverage levels. When paired with a Medicare Supplement plan, policyholders can access a 10% discount.
Medicare Supplement plans provide coverage for the healthcare needs of over 706,000 residents in Pennsylvania. More than 207,000 persons have chosen Plan G, while Plan N has attracted over 105,000 enrollees.
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Plan G Rates in PA
Sample rates by age:
Age 65 male: $141.86 – Age 65 female: $125.58
Age 75 male: $182.50 – Age 75 female: $162.17
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Plan N Rates in PA
Sample rates by age:
Age 65 male: $96.21 – Age 65 female: $85.18
Age 75 male: $120.92 – Age 75 female: $107.42
We researched Pennsylvania’s best Medicare Supplement plans by only considering financially feasible options from companies with long-term financial stability.
We want to clarify that just because a company is new, it doesn’t mean they offer lower rates.
These “newer no-name” insurance companies tend to raise prices unexpectedly. To avoid paying more money and dealing with unnecessary complications in the future, it is recommended to stick with well-known and trusted brands.
Best Plan G Rates: Allstate
$134.00
$150.67
$136.58
$153.58
What sets Allstate’s Plan G apart is the freedom it provides – such as no referrals or network restrictions. You have the flexibility to choose any medical provider within the Original Medicare network.
Some key features of these plans include access to the fitness program Active&Fit, household discounts, affordable monthly premiums, and high customer satisfaction rates.
- Part B excess charges
- Medicare Part A deductible
- Part B coinsurance
- Emergency care
- Foreign travel emergency expenses
Overall, Plan G may help lower out-of-pocket expenses for beneficiaries.
Best Plan N Rates: Allstate
$88.67
$99.75
$90.50
$101.75
- See any doctor who accepts Original Medicare
- $25 copay for office visits
- $50 copay for ER visits
- Additional policy options for dental, vision, and hearing
- Experience flexibility and peace of mind, with lower out-of-pocket expenses overall
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
What's the Best Medicare Supplement Company in Pennsylvania?
The overall best Medigap provider in Pennsylvania is Allstate.
Our review process found that Allstate Medigap plans in Pennsylvania are usually more affordable, making them a top choice. However, the best Medicare Supplement company for you will depend on the specific plan letter you are considering.
For example, even though one company might provide cheaper rates for Plan N, another company could offer more affordable costs for Plan G. Each company has its own set of advantages and disadvantages depending on its plan levels.
| Company | Market Share | Plan G Cost | Plan N Cost | Cost by County | Financial Strength |
| Allstate Health Solutions | 0.01% | $119.83 | $92.64 | Warren | A+ |
| ACE Insurance Company | 0.27% | $131.67 | $99.75 | Fayetee | A+ |
| Aflac | 0.03% | $131.69 | $97.03 | York | A+ |
| Aetna Health Insurance Company | 16.18% | $142.69 | $95.13 | Lancaster | A |
| United Health Care | 33.80% | $168.09 | $113.90 | Bucks | A |
| Cigna Health Group | 5.39% | $171.90 | $118.09 | Montgomery | A |
| Mutual of Omaha | 4.58% | $180.00 | $119.67 | Chester | A+ |
In Pennsylvania, ten standardized Medigap plans offer the same coverage no matter which company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.
Most plans do not restrict you to a network, allowing you to visit any provider that accepts Original Medicare. To simplify your decision, compare costs and policyholder satisfaction ratings when considering insurance companies.
How Much Does a Medigap Plan Cost in Pennsylvania?
Premiums for a Pennsylvania Medicare Supplement plan can cost as little as $47 or as much as $193, depending on your age and the level of coverage you choose.
| Medigap Plan | Monthly Cost | Cost by County | Enrollment in Pennsylvania | ||
| Plan F | $138.17 | Berks | 31% | ||
| Plan G | $119.68 | Lehigh | 29% | ||
| Plan N | $96.21 | Westmoreland | 15% | ||
| High Deductible G | $47.15 | Luzerne | 1.6% | ||
| Plan A | $83.85 | Northampton | 1.2% | ||
| Plan K | $53.35 | Dauphin | 0.32% | ||
Is A Medicare Supplement More Expensive Then Medicare Advantage?
Medicare Supplement Insurance (Medigap) and Medicare Advantage plans offer different coverage and cost structures. Generally, Medigap policies tend to have higher monthly premiums than Medicare Advantage plans. However, out-of-pocket costs when you need care are often lower with Medigap.
On the other hand, Medicare Advantage plans typically offer lower monthly premiums. Still, you may pay more in the form of copayments and deductibles when you need care. Considering your healthcare needs and budget is essential when deciding between these two options.
Does Medical History Affect Medigap Prices in Pennsylvania?
In Pennsylvania, Medigap insurers are prohibited from charging higher premiums based on an individual’s medical history when applying for a Medigap policy during their initial six-month enrollment window.
During this enrollment period, federal law ensures that individuals have their rights protected, and insurance companies are obligated to offer Medigap policies at the most favorable rates, irrespective of health status.
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Expert Tip:
Tobacco rates are not applicable during the Open Enrollment period or in guaranteed-issue rights situations in Pennsylvania.
Final Verdict
With extensive industry experience and a proven track record of helping individuals find the right coverage, we hold Allstate in the highest regard. Our clients who choose Allstate are consistently satisfied in the long term due to their exceptional quality.
Choosing the right Medicare plan requires thoughtful consideration. With Policy Guide, skilled agents will assist you in evaluating health plans, pricing, and policies, empowering you to make an informed decision. We’d like to guide you in finding a plan that aligns perfectly with your needs.
Article Sources: PA Medigap Coverage Guide | Plan Costs | How Do I Enroll? | Allstate | PA AHIP
Frequently Asked Questions
- Is there a Medicare Supplement plan in Pennsylvania that covers everything?
- What is the cost of a Medicare Supplement plan in Pennsylvania?
- What are the most popular Medigap plans in Pennsylvania?
