Pennsylvania Medicare Supplement
A Pennsylvania Medicare Supplement can be obtained for those age 65 and over that have both Medicare Part A and Medicare Part B. Medigap Insurance Companies must provide an open enrollment period of six months to these individuals, as we all those under age 65 who are eligible for Medicare because of a disability.
Beginning with the first day of the first month in which they enroll in Medicare Part B, Medicare beneficiaries in Pennsylvania have the right to purchase any Medigap Policy from any company and they are guaranteed approved during this time. Those who choose to first enroll when eligible in a Medicare Advantage Plan such as Medicare+ Choice or any HMO or PPO plan, have a 12 month "trial-right" period in which they may return to Original Medicare and are guaranteed the right to purchase any Medigap policy offered by any company that sells Medigap insurance in Pennsylvania. A Medigap Agent from Medisupps.com can easily provide a Medicare Supplement Insurance comparison, and explain the details and rates for these plans.
In our experience, our Advisors have found that many people enroll in these types of plans, only to find out their doctors do not accept the plan. This eventually leads them back into Original Medicare Part A and Medicare Part B, and allows them to obtain a Pennsylvania Medicare Supplement within the first 12 months and be guaranteed issue. A Medigap Plan in Pennsylvania follows Medicare and picks up some if not all of the gaps that Medicare does not pay.
There are other gaps, however looking at these main gaps certainly shows how important it is to obtain a Medigap Plan in Pennsylvania. There currently are 12 Standardized Pennsylvania Medicare Supplement Plans available, lettered Plans A - L. Each plan offers a different combination of benefits, as well as different premiums. A Medigap Agent from Medisupps.com can easily explain the differences of each available to you, as well as show you premiums for each from the top companies.
As of June 1st 2010, Medicare Supplement Plan letters E, H, I, and J are being eliminated by Medicare. Two new plans will be introduced, which are Medicare Supplement Plans M & N. These plans offer lower premiums, and have some cost sharing options to them. For instance, Medigap Plan M will offer a cost sharing of 50% on the Part A deductible, and Plan N will have co-pays for each visit.
Shopping for a Pennsylvania Medicare Supplement Policy
In Pennsylvania, there are several different insurance companies that offer Medicare Supplement Policies. These Medicare Supplements are called "standardized", meaning regardless of which company you choose, the coverage is identical within each plan letter. Therefore a Medicare Supplement Plan F from United of Omaha, is identical coverage to a Medigap Plan F from AARP, yet the premiums can vary dramatically between the two.
Therefore, some important points to consider when shopping for a Medigap Policy:
- Prepare!
You may submit an application up to 6 months prior to your start date in most cases, and you certainly want to take advantage of any open enrollment or guaranteed issue period. In many cases applying early will also "lock-in" your rate in case there are any rate increase prior to your start date.
- Shop Around!
Have a Medigap Advisor explain the differences in coverage to you helping you understand the entire process of Medicare and Medicare Supplements.
For absolutely no cost (it's totally free!) a Medisupps.com Advisor will take as much time as needed to help you understand your coverage, and shop the Market year-after-year to make sure you're always at the lowest rate you qualify for.
So whether you're needing a Medicare Supplement in Pittsburgh, Philadelphia or Harrisburg, a Medigap Agent from Medisupps.com can help you find the best coverage on your Medicare Supplemental insurance. We'll take as much time as you need to completely understand all the plans and coverage available to you, determine your eligibility, and make sure you get the lowest premiums year-after-year that you qualify for.
Simply enter your zip code or click the "Get Quote Now" button to see the best rates in your area for a Pennsylvania Medicare Supplement... or, call (888) 891-0229 to speak to a Medigap Agent today to learn more about your Pennsylvania Medicare Supplement.
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