The government created Medicare so that people over the age of 65 could have access to a wide variety of medical services. Pennsylvania Medigap insurance plans are supplemental insurance policies that covers some of the expenses that Medicare does not cover.

Medicare is divided into four plan types, and each of them has different areas of interest. Reliable Pennsylvania Medigap plans can help bridge the healthcare gap so that people who need healthcare assistance can obtain it.

Pennsylvania Medigap Insurance Plans

Citizens who are over the age of 65 can qualify for Medicare. However, some persons who have not yet reached the age of 65 can still qualify to receive assistance. Disabilities, such as permanent kidney failure, qualify a person under 65 for help through a Medicare plan. Several additional disabilities can qualify a person who is not 65.

Medigap Plans in Pennsylvania Under Age 65

With that said please note, not all states offer supplement plans to those not reached 65 years old, however, in the state of Pennsylvania they offer all 10 letter plans and the rates will be the same as the Pennsylvania Medigap rates for those over 65.

Examples of additional illnesses that may qualify a person for Medicare are Lou Gehrig’s disease and amyotrophic lateral sclerosis. Persons who are collecting Social Security Disability for physical and mental illnesses can collect Medicare after 24 months of program eligibility.

There are many Pennsylvania Medicare Supplements and carriers that offer supplement plans. One of the top Pennsylvania Medigap insurance companies is Aetna Medigap Insurance. Of the ten letter plans available, the top Pennsylvania Medigap plans are Plan A, Plan B, Plan F, Plan G & Plan N.

In 2015, the total number of Medicare recipients in Pennsylvania was just over 2.5 million, that’s 20% of the total population. Medicare recipients with End Stage Renal Disease, that turned 65 years old, made up almost 10,000 of the total amounts of recipients in 2013. The total amount of disabled Medicare recipients in 2013 with ESRD was a little over 8,000.

The 4 Different Types of Medicare

  1. Part A Medicare covers hospital visits. The plan covers many of the expenses that accrue during a person’s stay in a hospital. Plan A covers blood transfusions after 3 pints, hospice care, and nursing facility care, as well.
  2. Medicare Part B covers a portion of a doctor visit. These expenses may include doctors’ visits, outpatient care services, and a variety of diabetes related treatments and diagnostics.
  3. Part C of Medicare allows a person to gain access to some of the services that Parts A and B may not cover. Some people refer to this part as Medicare Advantage.
  4. Prescription drugs are covered under Medicare Part D. A person who is eligible for Part D coverage may have to pay a portion of the bill for their prescriptions, which is called co-pay.

An example of services that Part C may cover are prescription drugs, hearing tests, vision services and more. Advantage plans consist of a network of doctors who provide various services to people who have Medicare. A person with Part C may have a Health Maintenance Organization (HMO) plan, a Preferred Provider Organization (PPO) plan or a Medicare Special Needs Plan (SNP).

Pennsylvania Medigap policies are supplementary plans that compliment your Original Medicare and reduce the out of pocket costs that you may incur. It covers many of the expenses that Medicare plans do not cover.

For example, the co-insurance that other parts of Medicare leave the policyholders with is covered. The plans also cover services such as international care, preventive care and custodial care. These policies are basically designed to pick up where Medicare leaves off.

Pennsylvania Medigap Guaranteed Issue

Pennsylvania Medigap Guaranteed Issue is given only if you apply during your Open Enrollment Period. This time frame will last six months and begins the first day of the month you turn 65 and are enrolled in both Medicare Parts A & B.

Choosing a Plan

There are so many plans to choose from, you’ll want to use a comparison tool or service to find a plan that meets your needs. Our team of trained and helpful advisors can assist with choosing the right plan for you. Those who do choose our services will be under no obligation to sign up for anything. We are here to maximize the benefits you can get from a Medicare Supplement plan in Pennsylvania.

Medigap Plans in Philadelphia

Medigap Plans in Philadelphia can range anywhere between $30-$450. The cost is determined by many different factors including exact location, age, letter plan and carrier you choose to go with. That’s why it’s important to speak to a licensed agent to get a quote specific to you.

We’re licensed across the entire state and serve clients in all cities including Philadelphia, Wilkes-Barre, Pittsburg, Reading, Lancaster, Allentown and many more.

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