Compare the Best Medigap Plans in Pennsylvania for 2025
Many of the plans featured here are available through our partner, HealthCompare, who may compensate us when you enroll in a plan. This does not influence our evaluations. Our opinions are our own, based on our independent research. Learn more about how we make money.
If you’re a Pennsylvania resident with Original Medicare, boosting your Part A and B coverage is easy with one of the best Medigap plans in Pennsylvania. With ten plan options available to help minimize your out-of-pocket costs, selecting the right plan for your healthcare and budget needs is simpler than ever.
On this page, you'll find the leading Pennsylvania Medicare Supplement and insurance companies for 2025.
Discover the Top 3 Best Medigap Plans in Pennsylvania for Complete Protection
Among the ten standardized Medigap plans, Plans F, G, and N are consistently the top choices for Medicare enrollees in Pennsylvania. These Medicare Supplement plans offer varying levels of coverage that help reduce out-of-pocket healthcare expenses. If you're seeking maximum coverage, Plan F may be ideal, while Plan G offers strong coverage with lower premiums. To compare affordable options, explore Plan N vs. Plan G.
Below is a detailed breakdown of what makes them the most popular plans, along with key benefits and top providers in Pennsylvania.
Medigap Plan F in Pennsylvania
Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .
Required Benefits of Plan F in Pennsylvania
Medigap Plan G in Pennsylvania
Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.
Required Benefits of Plan G in Pennsylvania
Medigap Plan N in Pennsylvania
Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.
Required Benefits of Plan N in Pennsylvania
Average Costs for Medigap Plans in Pennsylvania
Plan costs in Pennsylvania are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Pennsylvania:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in Pennsylvania
Several factors play a role in determining the cost of Medicare Supplements in Pennsylvania. These include:
- Age: As you get older, your premiums may rise.
- Gender: Premium rates can vary by gender, with women often paying slightly less.
- Tobacco Use: If you use tobacco, expect to pay higher premiums.
- Location: Your location within Pennsylvania can also influence your premium, as costs differ by region.
Want to save on Medigap premiums and out-of-pocket costs? Check out our guide to finding the best value for your Medigap plan.
Compare rates from top carriers without the hassle of sales calls or spam. Our goal is to help you make an informed decision with unbiased, comprehensive information.
Get Your Free Medicare Supplement Rate Comparison
We're retired seniors, not insurance agents, and our goal is to empower you with the information you need, without any pressure. No Calls. No Email Spam. No Kidding!
Compare All Medicare Supplement Plans in Pennsylvania
If you want to see how all Medicare Supplement Insurance plans sold in Pennsylvania stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Pennsylvania and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Pennsylvania
Medigap enrollment in Pennsylvania is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
If you're ready to get Medicare Supplement coverage, here are the steps to get started:
- Review Your Options: Take a look at the Medigap plans available in Pennsylvania and find the one that fits your healthcare needs and budget.
- Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
- Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.
For more details on Medigap enrollment, visit our Medigap Enrollment Guide.
Common Questions About Medigap Plans in Pennsylvania
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023