Medicare Supplement Insurance (also called Medigap) helps senior and disabled Pennsylvania residents pay for certain Medicare co-payments, deductibles, and other costs. Currently, insurance companies can offer state residents up to 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.
PA Medicare Enrollment Quick Facts:
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Over 1,534,000 Pennsylvania residents were enrolled in Medicare Part A and/or Part B in 2017, according to data from the Centers for Medicare and Medicaid Services (CMS).
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633,002 Pennsylvania residents had a Medigap policy in 2015, according to data from America’s Health Insurance Plans (AHIP).
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Plan F is the most popular Medigap plan in Pennsylvania, with 215,812 enrollees in 2015, according to AHIP.
PA Medigap Enrollment Statistics
According to AHIP, 41.4 percent of Medicare beneficiaries in Pennsylvania were also enrolled in a Medigap plan in 2015. Certain Medigap plans sold in Pennsylvania are more popular than others.
The chart below shows which plans were most popular in Pennsylvania in 2015, according to AHIP.
|
Popularity Ranking |
Plan |
Total Enrolled in 2015 |
|
1 |
F |
215,812 |
|
2 |
C |
183,618 |
|
3 |
N |
76,906 |
|
4 |
G |
34,392 |
|
5 |
B |
31,548 |
|
6 |
D |
12,055 |
|
7 |
A |
7,383 |
|
8 |
K |
2,610 |
|
9 |
L |
1,601 |
|
10 |
M |
17 |
|
Old plans* |
59,624 |
|
|
Pre-standardized** |
7,436 |
*Plans no longer available for purchase, including Plans E, H, I, and J.**Pre-standardized plans are policies sold before July 1992.
Medicare Supplement Insurance Pricing Methods
Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods:
- Attained-age rated: The premium increases as you age
- Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age
- Community rated: The same premium is charged to all Medigap policyholders
The majority of Medigap policies issued in Pennsylvania are attained-age rated, according to the Kaiser Family Foundation (KFF).1
Under-65 Enrollment Rules
Although Medicare Supplement Insurance is primarily for senior citizens, it’s also available to disabled people and those with end-stage renal disease (ESRD) in some states. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.
According to the KFF, insurance companies selling Medigap plans in Pennsylvania must offer at least one Medigap plan to under-65 Medicare beneficiaries.2 Medigap insurers in Pennsylvania are not allowed to charge under-65 policyholders different premiums from their 65-year-old policyholders.
Learn More
To learn more about Medicare Supplement Insurance, read through our guides below.
1 https://aspe.hhs.gov/report/variation-and-trends-medigap-premiums#apb
2 https://kaiserfamilyfoundation.files.wordpress.com/2013/04/8412-2.pdf#page=24