Pennsylvania Medicare Supplements
Get a Quote »We offer Pennsylvania Medicare supplement insurance quotes and coverage online and direct to you. Our independent agency represents several highly rated providers offering affordable Medigap plans.
Using our agency, you can compare rates with AARP, Aetna, Anthem, American Continental, Central States Indemnity, Forethought Life, Gerber Life, Loyal American, Mutual of Omaha, Standard Life & Accident, United of Omaha, United Healthcare and several others.
If you are near age 65 and in Medicare open enrollment, losing group coverage, approved for Medicare disability, newly enrolled in Part B, or shopping for lower rates on your existing coverage - then we can assist you.
Pennsylvania Medicare Supplement Insurance
The ten modernized plans to choose from are labeled A, B, C, D, F, G, K, L, M and N. Plan A provides coverage for only basic benefits while Plan F offers the most comprehensive coverage available.
In Pennsylvania, Plans C, F, G and N are most popular when coupled with Part D prescription drug coverage.
Rates can vary dramatically between providers for the exact same plan so it is wise to shop around with an independent agent. A traditional Plan F must cover the exact same benefits, so most consumer shop on price, claim paying ability, and renewal history.
Monthly premiums will be determined by your zip code, your age, your gender, whether you qualify for a spousal discount, and the type of coverage selected, i.e. attained age, issue age or community rated coverage.
Medicare Supplements M, N and High Deductible F
Plans N and M are two newer choices that were introduced in June of 2010. They are both cost sharing plans that will offer lower monthly premiums in exchange for higher out of pocket costs.
In this way, they work somewhat like Medicare Advantage plans, however there are no network limitations associated with these plans, so the insured is free to use any doctor or hospital.
Another popular choice with consumers is High Deductible Plan F. This supplemental policy works just like the traditional Plan F, but the insured must meet a $2,070 annual deductible first. Rates for HD Plan F are extremely competitive which explains its popularity.
Medigap Insurance And Open Enrollment In PA
If you are newly enrolled or soon to be enrolled in Medicare Parts A and B at age 65, you cannot be denied a Medigap policy due to any preexisting conditions. There is a six month window referred to as the open enrollment window that includes the three months before and after your 65th birthday month. There is no medical underwriting needed during this period of time.
Additionally, if you are involuntarily losing employer sponsored group health insurance due to retirement or separation from service, then you are eligible to purchase most supplemental policies after age 65 without medical underwriting. However, after age 65 some insurance companies will not offer all supplements on a guaranteed issue basis unless you are also newly enrolling into Medicare Part B.
Pennsylvania Medicare Disability Insurance Quotes
If you have recently been accepted into Medicare disability, then you will also be afforded a six month open enrollment window to purchase supplemental coverage without underwriting. What makes PA unique is insurance companies cannot charge higher rates for those under age 65.
However, if you miss your six month guaranteed issue window, then medical underwriting may need to take place and the insurance provider can deny coverage due to poor health. Thus, it is a very good idea to explore all of your options during your six month open enrollment window.
Request Quotes and Information
We cover all of Pennsylvania from Philadelphia to Pittsburgh and all places in between. Using our independent agency, you can compare rates and quotes with several Medigap carriers direct and online.
AARP, Central States Indemnity, Forethought, Mutual of Omaha, United Healthcare and all others are all available direct from us and at no additional cost to you. We can also help you with your prescription Part D needs. Contact us today!