Liberty Medicare Blog

Medicare Supplement Plans in Philadelphia, Pennsylvania, also known as Medigap Plans, serve the purpose to fill the gaps in both Part A and Part B of Original Medicare. Examples of such gaps are deductibles, copayments/coinsurances, and excess charges. Your Medicare costs could be very high without them. Pennsylvania Medigap plans are sold by private insurance companies.

Article Contents

Standardized Medigap Plans
Pennsylvania State Regulations
Medigap Plans for Philadelphia, PA: Vendors and Premiums

Standardized Medigap Plans

There are 10 Standardized Plans, designated by the letters “A” through “N.” Plan’s letter defines a set of benefits; they are identical for all vendors. For example, the benefits of Medicare Supplement Plan F from one vendor are the same as benefits from any other vendors. But the premiums may differ significantly from vendor to vendor. Therefore, the knowledge of Medicare Supplement vendors and their premiums is essential.

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Medicare Supplement Plans in Pennsylvania: State Medicare Supplement Regulations

Medigap premiums in Pennsylvania are established using the following factors:

• Age
• Zip code (and sometimes a County within the zip code)
• Gender
• Whether or not you are a tobacco user.

Rates are usually higher in urban areas and lower in rural areas. Female rates are typically 10-15% lower than male rates in most Medicare Supplement companies. Some Pennsylvania carriers add non-standard benefits, such as the Vision Plan discount.

Pennsylvania law prohibits Medicare providers to charge more than what Medicare allows. This difference is known as Extra Charges. In other words, Extra Charges are illegal in Pennsylvania. Therefore, Medicare Supplement Plans that do not include Extra Charges (Medicare Supplement Plan C and Medicare Supplement Plan D) are identical to plans that include Extra Charges (Medicare Supplement Plan F and Medicare Supplement Plan G). Medigap Plans C and D are less expensive than Plans F and G, but the difference is quite insignificant.

For people having Medicare due to disability under the age of 65, Pennsylvania has added requirements that allow people under 65 to get Medicare Supplement. The requirements are:

• All plans are available for people age 50-64 enrolling at the Medicare Supplement Open Enrollment Period
• Medigap plans A, B, C and F are available for people age 50-64 entitled to Guaranteed Issue Rights

Most Pennsylvania Medicare Supplement providers offer Medigap plans for people age 40-64. For some of them the cost is typically higher (but comparable) than for individuals who are 65 years old, but for many companies, it is significantly higher.

Pennsylvania does not have any additional special Guaranteed Issue windows, such as 30-day birthday period. A household discount is allowed in Pennsylvania, and several Medicare Supplement vendors include it. The typical discount is 5 to 7 percent. Some companies provide a discount, even if the only single person is applied.

To find more about Medigap plans in Pennsylvania, read Pennsylvania Medigap Plans (Medicare Supplement Plans).

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Medicare Supplement Plans in Philadelphia, Pennsylvania – 2018

Philadelphia, Pennsylvania is located in Philadelphia County. Most of Medigap vendors selling policies in the Philadelphia area are on the Liberty Medicare list of Medigap carriers. We only deal with highly respected companies. Only one of them has AM Ratings B+; the rest has ratings A-, A, and A+.

There are some well-known names, such as UnitedHealthcare, Aetna, Transamerica, United of Omaha and Cigna. Some of them have attractive rates in Philadelphia, PA. But there are also companies that are smaller and less known, and they often provide real Medicare Supplement Plans bargains. Consider such companies as Americo, Manhattan Life, and Thrivent Financial. They have high rates (A, B+ and A++), and provide very attractive Medicare Supplement Rates in Philadelphia. And, as it was mentioned above, the premium is the only real difference in the world of standardized Medigap plans.

In the tables below you’ll find the range of premiums for different ages for Medicare Supplement Plans in Philadelphia, Pennsylvania.

Table 1. The Range of Medigap premiums for Age 50 in Philadelphia, PA

Table 2. The Range of Medigap premiums for Age 65 in Philadelphia, PA

Table 3. The Range of Medigap premiums for Age 70 in Philadelphia, PA

Table 4. The Range of Medigap premiums for Age 75 in Philadelphia, PA

Please contact us if you need help selecting and enrolling in one of Medicare Supplement Plans in Philadelphia, Pennsylvania. Use our very extensive list of Medicare Supplement carriers, and find a reputable vendor with the most affordable rate.

For more information, read Compare Medicare Supplement Plans and How to Choose a Medicare Supplement Plan and Vendor.

Pennsylvania Insurance Department

• Medicare Supplement Coverage

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For help finding the best for YOU Medicare Supplement Plan in Pennsylvania, please contact Liberty Medicare or call us at 877-657-7477.