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Medicare Supplement Insurance Plans in Pennsylvania

Original Medicare (Part A and Part B) provides excellent coverage, but you are still left with expensive out-of-pocket costs. Deductibles, copays, and coinsurance add up and can put you in a financial bind. Medicare Supplement insurance plans in Pennsylvania help cover some of those costs. These plans, often referred to as “Medigap,” work alongside Original Medicare. Learn more about Medicare Supplement plans and make a selection.

Types of Medicare Supplement Insurance Plans in Pennsylvania

Pennsylvania offers 10 types of Medigap plans. Each plan is designated a letter from A-N. Plans C and F are extremely popular because they cover the Medicare Part B deductible. Starting on Jan. 1, 2020, these plans will no longer be available to people who are new to Medicare. You will still be able to get a plan that covers the Part A deductible, but you cannot get coverage for the Part B deductible. Also, you can receive coverage for Part A and B coinsurance and copayments, skilled nursing facility care coinsurance, the Part B excess charge, and much more.

Plans are standard across the entire state. If you choose Medicare Part A, you will receive the same coverage as everyone else who has Medicare Part A, regardless of the location or the insurer. However, premiums are not the same. You need to get a quote for a Medigap plan to find out how much you will pay for coverage.

How to Enroll in a Medigap Plan

Medigap plans are available throughout the year so you can get one at any time. However, if possible, enroll during the Medigap open enrollment period. This period begins the first day of the month you turn 65 as long as you are enrolled in Medicare Part B. Enrollment lasts for six months. For example, if you turn 65 on April 16, the open enrollment period will begin on April 1 and end Sept. 1.

If you enroll during this period, your Medigap policy won’t go through the underwriting process. You will still get approved if you have a serious medical condition, and you will not have to pay more for the coverage.

You can choose to enroll in one of the Medicare Supplement insurance plans in Pennsylvania at a different time, but you will have to go through underwriting and can therefore beu can denied coverage or forced to pay more for your premiums due to your health.

How to Choose a Medigap Plan

Choosing Medicare Supplement insurance plans in Pennsylvania can seem overwhelming. There are 10 plan options right now, although that will change in 2020. Prices and plan availability vary by location, and various insurance companies sell policies.

There’s a lot of information to take in, fortunately, choosing a Medigap policy is easy when you get help from a licensed insurance agent. The agent will consider your healthcare needs and financial situation and help you select a policy that makes sense for you. Get personalized support by calling 844-903-4406.

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