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 Medigap Enrollment Statistics

The chart below shows which plans were most popular in Pennsylvania in 2017, according to AHIP.

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

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.

Insurance companies selling Medigap plans in Pennsylvania  must offer at least one Medigap plan to under-65 Medicare beneficiaries. Medigap insurers in Pennsylvania are not allowed to charge under-65 policyholders different premiums from their 65-year-old policyholders.