Best Medicare Supplement Plans in Pennsylvania

by Ann deBruyn

Pennsylvania has over 2.8 million Medicare beneficiaries — the fifth highest total of any state . About 1.5 million of those beneficiaries have Original Medicare (Part A and Part B).

Here’s what you need to know about finding the best Medigap policy for you in Pennsylvania.

Most popular Medicare Supplement Insurance plan types in Pennsylvania

There are 10 standard Medigap plan types available in Pennsylvania (Plan C and Plan F aren’t available for new Medicare members). However, more than 75% of Pennsylvania’s Medigap members are in one of the three most popular types.

Here are Pennsylvania's top three most popular Medicare Supplement Insurance plan types :

  • 35% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

  • 26% have Medigap Plan G — the highest-coverage option available to new Medicare members.

  • 14% have Medigap Plan N — a plan with lower premiums but higher copays.

Nerdy tip: Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option available to all Medicare beneficiaries.

Top Medicare Supplement Insurance companies in PA

The government regulates Medigap plans, but private insurance companies sell them. Here are the five most popular Medicare Supplement Insurance companies in Pennsylvania as of the end of 2020 :

Medicare Supplement Insurance prices in Pennsylvania

It’s worth comparing companies to find the lowest price for your chosen plan. The benefits of each Medigap plan are standardized, so you get the same Medicare benefits regardless of the company you choose.

Here are the prices for Medigap Plan G and Plan N, the most popular plans available for new Medicare members, from the five Medigap companies with the most members in Pennsylvania.

The table below shows price quotes for a 65-year-old female nonsmoker in Pittsburgh. The prices listed reflect base pricing with discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for males.)

Insurance company

Plan G monthly premiums

Plan N monthly premiums

Cigna

$131.22.

$90.14.

Aetna

$132.11.

$91.46.

AARP/UnitedHealthcare

$133.59.

$114.07.

Highmark

$142.95.

$155.05.

Independence Blue Cross

$165.05.

$127.25.

For reference, here are the lowest premiums available from any company for the two plans in Pennsylvania, according to the Medicare plan finding tool :

  • Medigap Plan G : $108 per month.

  • Medigap Plan N : $77 per month.

Medicare resources in Pennsylvania

  • State Health Insurance Assistance Program, or SHIP : Pennsylvania Medicare Education and Decision Insight program, or PA MEDI, is the State Health Insurance Assistance Program. It provides free information and counseling about Medicare options, processes and costs.

  • Pennsylvania Area Agencies on Aging : They provide information and assistance for Pennsylvanians older than 60 and their caregivers to access various community services.

Medicare Supplement Insurance Providers

Get more information about some major health insurance companies that sell Medigap plans. Use Medicare’s plan finding tool or check the companies’ websites to see plan options in your location.

Compare Medicare Supplement Insurance providers

Aetna

Complaint rate: 67% worse than the market average.

Service area: 43 states.

Percent of premiums spent on benefits: 75.6%.

AARP/UnitedHealthcare

Complaint rate: 63% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

Anthem

Complaint rate: 24% worse than the market average.

Service area: 16 states.

Percent of premiums spent on benefits: 68.6%.

Blue Cross Blue Shield

Complaint rate: 0.4% better than the market average.

Service area: 50 states and Washington, D.C.

Percent of premiums spent on benefits: 72.6%.

Cigna

Complaint rate: 40% worse than the market average.

Service area: 48 states and Washington, D.C.

Percent of premiums spent on benefits: 75%.

Humana

Complaint rate: 335% worse than the market average.

Service area: 49 states, Washington, D.C., and Puerto Rico.

Percent of premiums spent on benefits: 77%.

Mutual of Omaha

Complaint rate: 62% better than the market average.

Service area: 49 states and Washington, D.C.

Percent of premiums spent on benefits: 71.4%.

USAA

Complaint rate: 50% better than the market average.

Service area: 45 states and Washington, D.C.

Percent of premiums spent on benefits: 71.7%.

The average percent of premiums spent on member benefits across all Medigap insurance companies is 72.3% . The minimum required by law for individual Medigap policies is 60%.

Find the right Medicare Supplement Insurance plan

Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:

  • Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.

  • What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.

  • Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.

  • Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.

If you have additional questions about Medicare, visit  Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in Pennsylvania? Check out these resources: