by Russell Noga | Updated October 6th, 2026
Original Medicare Parts A & B help pay hospital and medical costs for people 65 and older and some younger people with disabilities, but they leave real gaps, including deductibles, coinsurance and 20% of most Part B costs. Medigap plans help cover many of those remaining costs.
Many private insurance companies sell Medigap plans, including Philadelphia American, Mutual of Omaha, Allstate and Humana.
This review covers Philadelphia American: its background, the Medigap plans it offers, example premiums, and what to know when you compare Medicare Supplement plans for 2027.
Philadelphia American Medigap Plans at a Glance
- Philadelphia American’s Medigap plan lineup varies by state.
- It focuses on core Medigap coverage rather than extra perks.
- Its premiums can be reasonable in some areas, so it is worth seeing where it lands when you compare Medicare Supplement plans.
Who Is Philadelphia American?
Philadelphia American Life Insurance Company is part of the New Era Life family of companies, based in Houston, Texas. It sells Medigap plans in a number of states, with plan options that vary from state to state.
New Era Life offers Medicare Supplement policies, life insurance and annuities through its companies. Philadelphia American has also offered other products, such as final expense, accident, dental and critical illness coverage.
Philadelphia American Medigap Plans
Philadelphia American sells standardized Medicare Supplement plans. Like all Medigap plans, they let you choose any doctor who accepts Medicare.
The exact plans available depend on your state. Depending on where you live, the lineup may include plans such as A, C, D, F, high-deductible F, G, N and L. Plans C and F are only available to people eligible for Medicare before 2020.
Neither New Era Life nor its companies sell Medicare Advantage plans or Part D prescription drug plans. See our overview of New Era Medicare Supplement plans for more on the parent company.
What Each Medigap Plan Covers
Here is what the plans you may see from Philadelphia American cover:
Plan A – Basic benefits: Part A hospital coinsurance and extra hospital days, Part B coinsurance and copayments, the first three pints of blood and hospice coinsurance.
Plan C – Near-complete coverage, including the Medicare Part B deductible. Plan C does not cover Medicare Part B excess charges. Only available if you were eligible for Medicare before 2020.
Plan D – Broad coverage similar to Plan C, but without the Part B deductible or excess charges.
Plan F – First-dollar coverage for Medicare-approved Part A & B costs. It is the most comprehensive Medigap plan, and only available if you were eligible for Medicare before 2020.
High-Deductible Plan F – The same benefits as Plan F, but you pay a yearly deductible first ($2,950 in 2026) in exchange for a much lower premium.
Plan G – Near-complete coverage. The only gap is the Medicare Part B deductible ($283 in 2026).
Plan L – A cost-sharing plan that pays 75% of most covered costs, with an annual out-of-pocket limit ($4,000 in 2026). It does not cover the Part B deductible or excess charges.
The Most Popular Medigap Plans
Of the ten Medigap plans, Plan G, Plan N and, for people eligible before 2020, Plan F are the most popular.
Medicare Supplement Plan F
Plan F covers 100% of the gaps in Medicare, so all your Medicare-approved costs are paid.
It is only available to people who were eligible for Medicare before January 1, 2020.
Medicare Supplement Plan G
Plan G is the same as Plan F except that you pay the annual Medicare Part B deductible. Once it is met, Plan G pays 100% of the remaining Medicare-approved costs, just like Plan F.
The main advantage of Plan G is its lower premium compared with Plan F, which often saves more than the deductible costs.
Medicare Plan N
Plan N is increasingly popular for its solid coverage and lower premiums than Plans F and G.
With Plan N you pay the Part B deductible, like Plan G, plus copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission.
It is a strong option for people who are fairly healthy and do not see the doctor often but still want good coverage.
Plan N’s premium is usually lower than Plan G’s, often by enough to cover several copays a year.
Medigap Plans are Standardized
Medigap plans are standardized by federal law, so every company must offer the exact same coverage within each plan letter. Companies do charge different rates for that same coverage.
Every doctor who accepts Medicare will also accept your Medigap plan, no matter which company it is from.
Because the coverage is identical, comparing Medicare Supplement plans across several companies is the best way to find the right price. Enter your ZIP code below to compare Medicare Supplement plans in your area.
Philadelphia American – Benefits & Coverage
Philadelphia American follows the standardized Medigap benefits set by federal law. The benefits you get from a Medigap policy with Philadelphia American are the same as from any other company selling the same plan letter.
All Medigap plans include these basic benefits:
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits are used up
- Part A hospice coinsurance or copayment
- Part B coinsurance or copayment
- The first three pints of blood
Plans C, F and G add more Medicare Part A & B coverage:
- The Part A deductible
- Skilled nursing facility coinsurance
- Part B excess charges (Plans F and G only)
- 80% of emergency care during the first 60 days of a trip outside the U.S. ($250 deductible and $50,000 lifetime maximum)
Plan L covers 75% of the Part A deductible and skilled nursing coinsurance, up to its yearly out-of-pocket limit.
Plans C and F are the only plans that cover the Medicare Part B deductible, and they are closed to anyone who became eligible for Medicare on or after January 1, 2020.
Outside your Medigap Open Enrollment Period or a guaranteed issue right, most companies can use medical underwriting when you apply, which can affect your premium or approval. Your Open Enrollment Period is the six months starting the first day of the month you are both 65 or older and enrolled in Part B.
What Philadelphia American Medigap Plans Don’t Cover
No Medigap plan covers private-duty nursing or long-term custodial care in a nursing home. Medigap only covers your share of costs for services Original Medicare covers.
So there is no coverage for cosmetic procedures or care Medicare does not consider medically necessary, such as routine acupuncture, chiropractic or podiatry visits.
Medigap also does not cover prescription drugs or routine hearing, dental and vision care.
Philadelphia American – Premiums
Philadelphia American sets premiums based on factors like your age, gender, tobacco use and location.
In an earlier rate check, these were example monthly premiums for a 65-year-old woman:
- Plan A: $114.80
- Plan C: $186.39
- Plan D: $131.44
- Plan F: $182.67
- Plan F (High Deductible): $48.52
- Plan G: $140.09
- Plan L: $118.02
*Rates change over time and vary by age, ZIP code, tobacco use and gender.
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Additional Benefits & Discounts
Philadelphia American focuses on core Medigap coverage. Some companies in the New Era family have offered online account tools and household discounts, which vary by state.
Medicare Supplement Plans in 2027
Medigap benefits are set by federal law, so each plan letter covers the same things in 2027 as today. What can change are premiums and the Medicare deductibles, which Medicare announces later in the fall. See our guide to Medicare Supplement Plans 2027.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy certain Medigap plans without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
Frequently Asked Questions
What is a Philadelphia American Medigap plan?
A Philadelphia American Medigap plan is a Medicare Supplement policy that helps cover some of the costs Original Medicare does not, such as coinsurance, copayments and, depending on the plan, deductibles. Philadelphia American is part of the New Era Life family of companies.
What Medicare Supplement plans does Philadelphia American offer?
Philadelphia American’s lineup varies by state. Depending on where you live, it may include plans such as A, C, D, F, high-deductible F, G, N and L. Plans C and F are only available to people eligible for Medicare before 2020.
What is New Era Life Insurance Company?
New Era Life is a Houston-based insurance company that offers Medicare Supplement plans, life insurance and annuities through its companies.
What is the relationship between Philadelphia American and New Era Life?
Philadelphia American is part of the New Era Life family of companies.
Where are Philadelphia American and New Era located?
Philadelphia American and New Era are based in Houston, Texas.
Are Philadelphia American Medigap plans different from other companies’ plans?
No. Philadelphia American Medicare Supplement plans are standardized, so each plan letter covers exactly the same benefits as the same plan from any other company. The differences are premiums, rate history and service.
How do I compare Medicare Supplement plans?
Choose the plan letter that fits your needs, then compare that same plan across several companies, since the coverage is identical. Enter your ZIP code on this page or call 1-888-891-0229 to compare Medicare Supplement plans in your area.
How much do Philadelphia American Medigap plans cost?
Premiums depend on the plan, your age, gender, tobacco use and location. Rates change over time, so compare current Medicare Supplement plan rates before you decide.
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Call our licensed agents at 1-888-891-0229 to compare Medicare Supplement plans from top companies in your area.
We offer a free consultation and quotes, and we will help you find the right plan at the best rate in your state.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.