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How Much Does A Medicare Supplement Plan Cost In Pennsylvania?


How much does a Medicare supplement plan cost in Pennsylvania?  Well, that depends upon a variety of factors.  Generally, Medicare supplement plan monthly premiums tend to run slightly higher in Pennsylvania than they do in other nearby states.  But there are other factors that have a far greater impact on price.

Keep in mind that when searching for the ideal Medicare supplement plan, cost is a significant factor, is should not be the only factor you should consider.  The most important factor should always be the overall quality of the plan you choose.  This includes the benefits of the plan itself, as well as the company that is behind the plan.  Once you are satisfied with the aforementioned qualities of the plan, only then should you consider price.

Interesting Fact:  As of 2018, the most expensive drug in America is Horizon Pharma's Actimmune, which treats a rare genetic disorder called chronic granulomatous disease as well as a rare bone-hardening condition called malignant osteoporosis.  Actimmune costs $52,321.80 per month, or a stunning $671,861.60 per year, according to CBS News.
We will list the factors that impact the premium rates of Medicare supplement insurance.  They are ordered from the most significant impact, to the least:

  • Plan Type
  • Age
  • Company
  • Tobacco Use
  • Health Status
  • Region
  • Gender

Plan Type
The most significant factor is the plan type that you choose.  For example, the monthly premium of a plan type "F" will likely be consistently higher than the monthly premium of a plan type "K" - no matter which insurance carrier you decide upon.  This is because each Medicare supplement plan type designates a unique plan benefit structure.  All supplement plans are designed to cover medical costs that are not covered by traditional Medicare.  However, some plans pick up more medical costs than others.  These benefit differences are reflected in monthly premium.

Age
With very few exceptions, the older you are, the higher your monthly premium.

Good to know:  Pick the right insurance policy.  Take the time and put in the work necessary in order to select the right plan.  In the state of Florida, for example, if you are shopping for a health insurance plan through the Affordable Care Act exchange, you will be offered around 100 plan variations to choose from.  This doesn't even include all of the health plan options that are not on the exchange.  So, regardless of where you live, you will likely find a confusing clutter of choices that you will need to sort through.  In addition, you want a plan that includes your doctors and your medications, plus provides care for any chronic conditions.  Information online can be incomplete or outdated, so call the doctors to make sure they're still participating in plans you're considering.


UPMC Mercy - health insurance
UPMC Mercy
1400 Locust St
Pittsburgh, PA 15219
Telephone: (412) 232-8111
Plus Code: C2P7+CV Pittsburgh, Pennsylvania




Company
In Pennsylvania, Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from.  The fact that plan benefits may be exactly the same, does not mean the monthly premium will be.  While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies.  They get to set the pricing of the plans they offer.

Tobacco Use
Most insurance companies in Pennsylvania will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.

Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in Pennsylvania will charge you a higher rate if you have specific medical issues.  Please contact us if you have questions concerning this.

Gender
Both Medicare supplement and Medicare advantage plan insurance companies tend to offer slightly lower premium rates for women.

Where you live in Pennsylvania
Your Medicare Supplement plan monthly premium will vary depending on where you live in Pennsylvania.  Usually, monthly premiums in rural areas tend to be slightly lower than monthly premiums in large metropolitan regions.

Insurance companies offering Medicare Supplement and Medicare Advantage plans include:

  • AARP
  • Mutual of Omaha
  • Combined
  • IAC
  • Gerber
  • Blue Cross Blue Shield
  • Humana
  • Cigna
  • Aetna

On Average For 2020

On average, in Pennsylvania, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, female applicant would be: $123.00 - $135.00.
On average, in Pennsylvania, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, male applicant would be: $138.00 - $167.00.

Good to know:  Want to really know the particulars concerning a health care plan?  Request the "evidence of coverage" document associated with the plan.  The evidence of coverage document is what you need if you want to understand in perfect detail, exactly what a health care plan covers.  You will find a thorough explanation of benefits, exceptions, and exclusions.  The evidence of coverage document provides details that may not be listed in that glossy plan brochure, or any online verbiage detailing plan benefits.  In most circumstances, this document is legally required to be associated with most any health plan policy.  It is available to consumers.  You need only to ask.


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What Are Medicare Advantage Plans?
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