If you're on Original Medicare in Pennsylvania, a Medicare Supplement (Medigap) plan can save you thousands in out-of-pocket costs. But with dozens of insurance companies offering plans in the state, how do you know which one gives you the best rate?
Plans Are Standardized — Only Price Differs
Plan G from one company covers exactly the same benefits as Plan G from another company. The only difference is the price and the company behind it. This means you can shop purely on price and company reputation.
Plan G vs. Plan N: The Two Best Options
Plan G
Best overall coverage
~$195/mo
65-year-old, example starting rate
Covers everything except Part B deductible ($283 in 2026)
Plan N ⭐
Best value pick
~$140/mo
65-year-old, example starting rate
Up to $20 copay for office visits • Up to $50 ER copay if not admitted • No Part B excess charge coverage
Why I often recommend Plan N: For many of my clients in Delaware County, Plan N offers the sweet spot of coverage and affordability. The small copays are predictable, and the premium savings add up to $720-$960 per year. You'd need to visit the doctor 36 to 48 times a year for Plan G to make more financial sense. Read my detailed Plan N guide here →
Factors That Affect Your Rate
- Your age: Younger applicants get lower rates (attained-age pricing in PA)
- Your zip code: Rates vary significantly even within the same county
- Tobacco use: Smokers pay 10-25% more
- Household discount: 5-12% off if both spouses enroll with the same carrier
- The carrier: Same plan can vary by $100+/month between companies
When to Enroll
The best time is during your Medigap Open Enrollment Period — the six-month window starting when you turn 65 and enroll in Part B. During this period, no company can deny you or charge more for health conditions.
As an independent agent, I work with 15+ Medicare Supplement carriers and can run a personalized comparison in about 10 minutes. No cost, no obligation.
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