Medicare Supplement Plans in Pennsylvania

Compare Affordable Medicare Plans

Medicare Supplement Plan F

The Medicare Supplement Insurance Plan F is an example of Medicare Supplement Insurance (Medigap). Medigap is designed to fill the gaps that Medicare does not cover.

What Is Medicare Plan F?

Plan F has traditionally offered the most benefits of all Medicare Supplement plans, according to Price. Many people thought the extra premium was worth it because it addressed some of the coverage gaps in Medicare Part A and Part B. In comparison to other Medigap plans, Plan F has the advantage of covering. The annual deductible for Medicare Part B.

What Does Medicare Plan F Cover in PA?

The following benefits are included in Plan F regardless of the insurance provider you choose:

  • After Medicare benefits are exhausted, Part A coinsurance and hospital costs can be incurred for up to 365 days more
  • Deductible for Part A
  • Copayments or coinsurance for hospice care in Part A
  • Copayment or coinsurance under Part B
  • Deductible for Part B
  • Excess charges under Part B (for providers who charge more than Medicare allows)
  • Care coinsurance in skilled nursing facilities
  • Three pints of blood transfusion
  • Emergency coverage for foreign travel (maximum $50,000, after $250 deductible)

What is the cost of Medicare Plan F?

The average monthly premium for Plan F enrollment is around $230, and the range is between $150 and $400. Your personal factors and the provider you choose will all affect that number.

The annual deductible for Plan F is $2,490 if you select the high-deductible option.

Medicare Supplement Plan G

One of the most popular Medigap plans available to Medicare beneficiaries is Medicare Supplemental Plan G. While it does not cover the Part B deductible, Medicare Supplement G offers the most coverage for a low deductible. Beneficiaries would normally pay these covered costs out of pocket.

Medicare Plan G: What is it?

According to the Centers for Medicare and Medicaid Services, Medicare Supplement Insurance, or Medigap, is a separate health insurance policy sold by private companies to cover healthcare costs not covered by Original Medicare. A majority, but not all, of the costs associated with medical services and supplies are covered by original Medicare.

How does Medicare Supplement Plan G work in , Pennsylvania?

You can reduce your out-of-pocket costs with Medigap Plan G. It offers the following benefits:

  • Medicare Part A deductible coverage is 100%
  • There is no copayment or coinsurance for hospice care
  • Travel emergency benefits for foreign travel
  • Medicare Part B excess charges are covered 100%
  • No matter how sick you are, your policy will be renewable

Only Medicare Part B deductibles are not covered by Medicare Supplement Plan G.

What is the cost of Medicare Plan G?

On average, 65-year-olds pay $145 a month for Medicare Plan G. The cost of Medicare Supplement policies varies depending on the insurer. A lot of factors determine your exact price for Plan G, such as your location, your health, your age and your gender. To get the best Medicare rate, you should compare rates among different Medicare providers.

Medicare Supplement Plan K

Plan K provides coverage at more than 90% of doctors' offices and hospitals nationwide. Medigap Plan K offers limited coverage compared to other Medicare Supplement plans. You can save money on healthcare throughout the year by taking advantage of this plan's supplemental coverage.

How does Medicare Supplement Plan K work in , PA

The Medigap Plan K is standardized by federal law. As a result, Medicare Supplement Plan K offers the same benefits regardless of the carrier or location. Premium costs and company ratings are the only differences between carriers.

Medicare Supplement Plan K reduces your cost-sharing obligations when combined with Original Medicare (Medicare Part A and Medicare Part B). In the same way as all Medicare Supplement plans, Medicare Supplement Plan K pays some of the costs that Original Medicare does not cover.

Benefits of Medicare Supplement Plan K

Medical costs for seniors are not covered by original Medicare at 100%. By enrolling in a Medicare Supplement plan, you can reduce the remaining costs you will be responsible for out-of-pocket.

Several benefits make Medicare Supplement Plan K appealing to enrollees, including the ability to lower their medical costs. A few of these benefits are:

  • Coinsurance for Medicare Part A hospitals is 100%
  • Preventive care coinsurance for Medicare Part B is 100%
  • Coinsurance of 50% for Medicare Part B
  • A 50% discount on 3 pints of blood
  • Coinsurance for hospice is 50%
  • The coinsurance for skilled nursing care is 50%
  • Deductible for Medicare Part A is 50%

What is the cost of Medicare Supplement Plan K?

In addition to location and age, Medicare Supplement Plan K premiums vary. The national premium for this plan is between $40 and $100 per month.

Plan K has a cap on out-of-pocket expenses, like Medicare Supplement Plan L. In 2024, Plan K's maximum out-of-pocket expense is $6,940. In the event that your Medicare-covered costs exceed this amount, Medicare Supplement Plan K pays 100% of the remaining expenses.

Medicare Supplement Plan L

The Medicare Supplement Plan L is a cost-sharing plan that covers a percentage of your out-of-pocket costs and you pay the rest.  Similarly to other Medigap plans, Plan L doesn't cover prescription drugs, vision, or dental coverage. In other words, it complements the benefits you already receive from Original Medicare by filling in the gaps.

How does Medicare Supplement Plan L work in , Pennsylvania

In Medicare Supplement Plan L, seniors receive cost-sharing benefits through private healthcare providers. Medicare Supplement Plan L provides secondary coverage to Original Medicare at a low monthly premium.

No matter what carrier your plan is through, you can receive care at any doctor or hospital that accepts Original Medicare. Additionally, referrals are not required for specialist appointments.

Though Medigap Plan L offers seniors a lot of savings over Original Medicare alone in the long run, it isn't the most comprehensive plan. You can still take advantage of plenty of healthcare benefits.

What is covered by Medicare Supplement Plan L?

The Medigap Plan L covers 100% of the following expenses:

  • After Original Medicare benefits are exhausted, Medicare Part A coinsurance and hospital costs are covered for one year

75 percent of the costs of the following are covered by Medigap Plan L:

  • Coinsurance or copayment for hospice care under Medicare Part A
  • Deductible for Medicare Part A
  • Coinsurance or copayment for Medicare Part B
  • The first three pints of blood used in a medical procedure
  • Coinsurance for skilled nursing facility care

Medigap Plan L Doesn't Cover?

Medigap Plan L isn't the most comprehensive plan on the market, as we've already mentioned. Plan L does not cover many benefits that other plans do. Here are some examples:

  • Getting dental or vision care
  • Outside the United States, emergency care
  • Care for the elderly
  • The Part B deductible for Medicare
  • Excess charges under Medicare Part B
  • Costs associated with prescription drugs
  • Nursing on a private basis

Costs of Medicare Supplement Plan L

Medigap Plan L policies include an out-of-pocket limit, unlike most other Medicare Supplement policies. Once you have spent $3,110 (in 2021) on Original Medicare out-of-pocket costs and paid your Medicare Part B deductible ($226 in 2024), the Medicare Supplement insurance plan may cover 100% of the costs of Original Medicare that it is required to cover, for the remainder of the year.

Medicare Supplement Plan M

Those traveling abroad can benefit from Medigap Plan M. Medicare Supplement Plan M may be the right choice for you if you want healthcare benefits that are affordable but available when you need them. Find out if you can benefit from this option by exploring these benefits.

How does Medicare Plan M work in?

A Medigap plan that offers important healthcare benefits at a low monthly premium is Medicare Supplement Plan M. Despite the low monthly premium, you'll be responsible for paying out-of-pocket for healthcare services. In addition to this, you will be responsible for 50% of your Medicare Part A deductible.

Medigap is a private insurance plan, unlike Original Medicare (Medicare Part A and Part B), which is administered by the federal government. You can choose from 12 different Medicare Supplement plans, and the best coverage depends on your budget and healthcare needs.

Benefits of Medicare Supplement Plan M

Medicare Supplement Plan M can be a great choice for those who like to keep their monthly costs low. Plans M Medicare Supplements help cover out-of-pocket costs left over from Original Medicare alone. Copayments, coinsurance, foreign travel emergency care, and your first three pints of blood are included in these costs.

There are a number of people who can benefit from Medicare Supplement Plan M, including:

  • Looking for a lower monthly insurance premium
  • Pay 50% of their hospital deductible
  • Traveling abroad is sometimes necessary

What is the cost of Medicare Plan M?

Medigap Plan M typically costs between $120-$200 per month. Medigap premiums are lower due to cost-sharing. Your monthly premium rates, however, are determined by a number of factors, including your location.

Medicare Supplement Plan N

The Medicare Plan N covers out-of-pocket expenses not covered by Medicare Parts A and B. Medicare Plan N offers nearly the same benefits as Medigap Plans C and F (which are not available to new enrollees), but has lower premiums. Many people find it attractive because of this.

How does Medicare Supplement Plan N work in , Pennsylvania?

In most states throughout the country, Medicare Supplement Plan N is a standardized Medicare Supplement insurance plan. Unlike Original Medicare, Plan N helps cover certain costs left by Original Medicare that would otherwise be your responsibility. Unlike Original Medicare, this plan allows you to have the same great health coverage at a fraction of the cost since it covers most of the financial responsibilities.

Enrollment in Medigap Plan N has increased annually since its introduction. This plan is one of the most comprehensive Medigap plans available to new Medicare beneficiaries, so its popularity is not surprising.

Medicare Supplement Plan N: What Does It Cover?

Medigap Plan N is similar in many ways to Medicare Supplement Plan G.

Among these benefits are:

  • Coinsurance under Medicare Part A
  • Deductible for Medicare Part A
  • Medical care for foreign travelers
  • You are responsible for $20 copayments for doctor office visits and $50 copayments for emergency room visits if you are not admitted to the hospital.

Medicare Supplement Plan N does not cover excess charges for Medicare Part B if you live or receive care in a state that allows them. The majority of doctors accept Medicare assignment, so excess charges are rare.

In 2024, how much will Medicare Supplement Plan N cost?

Medicare Supplement Plan N will cost around $120-$180 per month in 2024. It is important to note, however, that premium costs are determined by many factors. There is a difference in premiums between ZIP codes. In some areas, Medigap Plan N can cost as much as $400 per month; in others, it can cost as little as $70 per month.

Cities in Pennsylvania

Philadelphia Pittsburgh
Allentown Erie
Reading Upper Darby
Scranton Bethlehem
Bensalem Lancaster
Lower Merion Abington
Millcreek Levittown
Wharton Harrisburg
Haverford Lower Paxton
Altoona Middletown
Penn Hills York
State College Hempfield
Wilkes Barre Northampton
Cheltenham Norristown
Chester Falls
Lower Makefield Mount Lebanon
Warminster Bethel Park
Lower Macungie Radnor
Ridley Wayne
Ross Cranberry
North Huntingdon Hampden
Tredyffrin Williamsport
Mccandless Upper Merion
Shaler Drexel Hill
Monroeville Cranberry Township
Plum Whitehall
Spring Easton
Springettsbury Lower Providence
Upper Dublin Montgomery
Exeter Lebanon
Moon Derry
Susquehanna Hazleton
Swatara East Hempfield
Springfield Warrington
Upper Moreland Upper Macungie
Upper Providence Marple
West Goshen Pottstown
New Castle Unity
Peters East Pennsboro
Allison Park Palmer
Manor Chambersburg
Buckingham Coolbaugh
Murrysville Muhlenberg
West Mifflin Johnstown
King Of Prussia West Chester
Baldwin Upper Allen
South Whitehall Upper Saint Clair
Mckeesport Ferguson
Whitpain Carlisle
Lower Southampton Limerick
Uwchlan West Manchester
Warwick Stroud
Hampton West Whiteland
Towamencin East Goshen
Whitemarsh Concord
Plymouth Greene
Harborcreek Fairview
East Lampeter Upper Chichester
Silver Spring Phoenixville
Scott Aston
Chestnuthill Lansdale
West Hempfield Upper Saucon
Penn North Whitehall
Hermitage Patton
Upper Gwynedd White
West Lampeter West Norriton
Wilkinsburg Willow Grove
Middle Smithfield South Fayette
Hanover Antrim
Newberry Fullerton
Forks Lower Salford
South Middleton Cumru
Hilltown Upper Southampton
Horsham Bloomsburg
Washington North Strabane
North Fayette Franklin Park
Greensburg Hershey
Indiana East Norriton
Ephrata Pottsville
Nether Providence Salisbury
Robinson Plumstead
Sharon Adams
South Park Township Dunmore
South Park Butler
Montgomeryville Franconia
Colonial Park Lower Moreland
Richland Coatesville
Saint Marys Meadville
Newtown Spring Garden
Kingston Pine
Weigelstown Amity
West Bradford New Hanover
New Kensington Carnot Moon
Ardmore Logan
Cecil Hopewell
North Union Lower Pottsgrove
New Garden West Deer
North Lebanon Rapho
Lower Burrell Center
Elizabethtown Dingman
Lower Gwynedd North Middleton
Yeadon East Whiteland
Upper Uwchlan Shiloh
Emmaus Jefferson Hills
Mountain Top Munhall
Hamilton Loyalsock
Rostraver Broomall
Willistown Westtown
Waynesboro Lower Saucon
College Township Pocono
Darby Lansdowne
Easttown South Union
North Versailles East Cocalico
Douglass Worcester
Wyomissing Lehigh
Columbia Harrison
Coal Lehman
Nanticoke Berwick
East Stroudsburg Oil City
Milford West Hanover
East Bradford Uniontown
Croydon Park Forest Village
South Lebanon Progress
Sunbury Penn Forest
Lock Haven Bristol
Hazle Brentwood
South Strabane Woodlyn
Maidencreek Economy
Jeannette Warren
Neshannock Harleysville
Moore Perkiomen
Lititz Benner
Aliquippa Bethel
Audubon West Caln
Northwest Harborcreek North Codorus
South Abington Mechanicsburg
Glenshaw East Nottingham
Canonsburg Upper Leacock
Kulpsville Quakertown
Swissvale Marshall
Jackson Collingdale
East York Lower Swatara
Fairless Hills West Donegal
Beaver Falls London Grove
Morrisville Solebury
Schuylkill Carbondale
Sanatoga Southampton
Bradford Ohara
Perkasie Dormont
North Londonderry Bushkill
Folsom Millersville
East Brandywine Tobyhanna
Bedminster Upper Makefield
Glenside Brighton
West Manheim East Donegal
Doylestown West Earl
Lewistown Bellevue
Pleasant Hills Castle Shannon
Kennett Grove City
Canton Allegheny
Kennedy Mount Joy
Latrobe Brookhaven
Conewago Old Forge
Willow Street Collier
Village Green Green Ridge North Coventry
Conshohocken Chartiers
Downingtown South Londonderry
Camp Hill Carnegie
North Cornwall Wilson
White Oak Chippewa
East Huntingdon Blandon
Gettysburg Lawrence
Ancient Oaks Thornbury
Valley Pittston
Maple Glen Polk
Ellwood City Upper Milford
Dubois East Manchester
East Fallowfield Chester Springs
Connellsville Palmyra
Lower Windsor Monessen
Brecknock Upper Hanover
West Brandywine Hatboro
West Cocalico Frankstown
Middlesex New Sewickley
Robeson South Heidelberg
Maxatawny Leola
East Pikeland Smithfield
New Cumberland Shenango
Buffalo East Marlborough
Glenolden Shamokin
Earl Delaware
Lower Allen Penn Estates
Ridley Park East Vincent
Huntingdon Franklin
Archbald Providence
Homeacre Lyndora Conemaugh
Bern Parkville
Milton Summit
Souderton Ambridge
Upper Mount Bethel East Buffalo
Tamaqua Upper Nazareth
Bullskin South Hanover
East Coventry Clifton Heights
West View Clairton
Tunkhannock Folcroft
California Richboro
Lionville Catasauqua
Salem Ambler
Prospect Park Forest Hills
Oakmont Corry
Georges Blue Bell
Cumberland Antis
Ohio Edinboro
Blakely Linglestown
Arlington Heights Red Lion
Bellefonte Carroll
Enola South Williamsport
Wilkins Swarthmore
Stowe Plymouth Meeting
Kennett Square Plainfield
Chanceford Monroe
Lower Nazareth Clarion
Williams Lower Heidelberg
Somerset Clearfield
Taylor Mckees Rocks
Hellam Saint Thomas
Fort Washington Steelton
New London Norwood
New Brighton Selinsgrove
Luzerne Dickson City
Crafton Wescosville
East Hanover Cambria
Punxsutawney Hellertown
Sewickley Greenville
Paoli Oreland
Hollidaysburg Lewisburg
Trooper Moosic
Charlestown East Rockhill
Mount Carmel Union
Sharon Hill Penn Wynne
Nazareth Longswamp
Wyndmoor Monaca
Findlay Wright
Harris West Pennsboro
Dresher Kelly
Coraopolis Oxford
Upper Pottsgrove South Huntingdon
Shippensburg Duquesne
Leacock Quincy
Boothwyn North Sewickley
Vernon Stroudsburg
New Holland Sayre
Redstone Paxtonia
Titusville Dickinson
Fox Chapel Breinigsville
Media Jefferson
Tyrone Lehighton
Palmerton Schlusser
Collegeville Newport
Turtle Creek Shillington
West Rockhill Schuylkill Haven
Bangor Londonderry
Martic Upper Yoder
Birdsboro Weisenberg
West Mead Sugarcreek
Olyphant Spry
Bridgeville Gilbertsville
West Vincent Rutherford
Lake Middle Paxton
Colebrookdale Vandergrift
Kutztown Lower Oxford
Bryn Mawr Lackawaxen
Old Lycoming Shanor Northvue