If you’re ready for Original Medicare, you have a lot of different options to compare for 2018 Medicare Supplement Plans In Pennsylvania. In order to compare Medicare supplemental insurance plans for Pennsylvania, you’ll need to look at your options for both different standardized plans and insurance companies.
If you need some help to compare supplemental insurance plans in 2018, we’re here to do what we can for you. We can help answer questions about Pennsylvania Medicare supplement plans, Medicare Advantage, and of course, Medicare Part D prescription drug coverage. You can use the quote box for instant Medicare insurance quotes or call to speak with an agent. We hope to help you find the best Medicare plans for your own healthcare needs, preferences, and budgets.
What to Know About 2018 Medicare Supplement Plans in Pennsylvania
In Pennsylvania, you will find that many of the 2.5 million Medicare recipients who are over 65 live in these large cities:
Typically, people in the larger urban areas of the state have more choices; however, many people find that Medicare supplements help them when they live in small towns and rural areas. This is because most Medicare Advantage choices rely upon provider networks, so people in less-populated parts of Pennsylvania don’t get as many choices.
Pennsylvania Guaranteed Enrollment Rights Under 65
Of course, about 16 percent of the state’s Medicare beneficiaries qualify for Medicare Part A and B because they are disabled and still haven’t turned 65. If you are one of these people, Pennsylvania requires insurers to offer you at least one of the Medicare supplement plans without health underwriting, but federal law doesn’t give you the same protections to enroll in any Medicare supplement as you get when you turn 65.
Most Pennsylvania residents in this situation end up enrolling in Medicare Advantage plans. The good news is that everybody will get the same protection to signup for any Medicare supplement plan without answering health questions at 65.
Pennsylvania Guaranteed Enrollment Rights At 65
At 65, you enjoy the right to signup for any Medicare supplement plans without having to answer health questions. Federal rules protect you if you had Medicare in the past or not. You just need to have both parts of Original Medicare. The best thing to do is to compare supplemental insurance plans before you turn 65 because your guaranteed period starts the month you begin Medicare and lasts for six months. Some insurers will let you apply up to six months in advance to make sure you are ready when you finally qualify .
After that, you can still apply for Medicare supplement plans, but you could get declined or have your premium increased because you have a pre-existing medical condition. Under certain circumstances, you may also qualify for an additional Guaranteed Enrollment Period if you lose coverage through no fault of your own.
Answers to FAQ About Pennsylvania Medicare for 2018
This section addresses some of the most frequently asked questions for Medicare recipients in Pennsylvania for 2018 and beyond.
When Can You Change Your Pennsylvania Medicare Insurance?
Again, if you have or want Medicare supplement plans, you can apply any time you have Part A and B of Medicare. If you want to change your Part D or Medicare Advantage, you usually have to wait until Open Enrollment. For most people, this Medicare Part and Medicare Advantage enrollment is between October 15 to December 7.
If you have certain special circumstances, you may get another chance. Some examples could include moving out of your old service area, having a plan move out of your area, and dropping job-related medical plans.
How Do You Qualify for Medicare Supplement Plans?
Typically, you have to enroll in Part A and B of Medicare to qualify for Medicare supplement plans. As discussed above, you get Guaranteed Enrollment Periods for the first six months you qualify for Medicare. These periods are more comprehensive at age 65 than they are for people who are disabled and younger.
If you’re over 65 and relatively healthy, you may still be able to switch or join other Medicare supplement plans. You can discuss your concerns with one of our Medicare insurance agents. They can help you sort through the best Medicare plans for your own situation.
Do You Need Prescription Drug Coverage With Pennsylvania Medicare Supplement Plans?
If you decide to use Medicare supplement plans as your extra Medicare coverage, you also need prescription coverage. A few of you may have creditable coverage from a job, but if you don’t, you should enroll in a Part D plan. Otherwise, you won’t have a plan to help you pay for medicine that you get from the drugstore and may face a penalty if you try to enroll in Part D at a later date.
If you compare supplemental insurance plans, you’ll notice that Medicare Advantage plans often comes with prescription drug coverage. Medicare supplement plans follow the base benefits of Part A and B, so they only cover medications in specific circumstances. Typically, these circumstances require that you get your medication administered by a healthcare professional in an inpatient or outpatient setting.
Who Are the Best Medicare Providers in Pennsylvania?
If you have questions about any companies that might approach you about Medicare supplement plans, you can check with the Pennsylvania Insurance Department. The can’t suggest any specific companies, but they can tell you about complaints or problems with insurers that you might consider when you compare supplemental insurance plans.
Among any of the approved providers, you will probably find that the best Medicare providers are those that can offer you the best combination of affordable premiums and valuable benefits. To drill down a bit more, you might consider these nationwide insurance companies with high ratings in your comparison:
What Are the Best Medicare Supplement Plans for Pennsylvania Residents?
Every Pennsylvania Medicare beneficiary has different preferences and budgets. It’s important to compare supplemental insurance plans to learn about their benefits and then to compare premiums. Since there are several different standard plans, it can be difficult for people to figure out which one will serve them best for many years.
With that said, we’ve found that we can satisfy most Pennsylvania clients with one of these three popular Medicare supplement plans:
As you may know, Medicare standardizes the Medicare supplement plans offered in Pennsylvania. This actually makes it easier to compare Medicare supplements than many other kind of insurance that aren’t standardized, and this includes Medicare Advantage.
On the other hand, most insurers also offer packages of extra perks with the plan that may include discount plans for useful services. Most also have household discounts, but the terms of these discounts can vary. For instance, some insurers require another household member to also sign up for the same Medicare supplement, but other insurers may just require that another household member is over a certain age in the home.
Finding the Best Medicare Insurance Plans and Companies in PA
Sorting though these extra benefits can take some time, and that what our agents may help with. It’s easy to compare a variety of Pennsylvania Medicare providers with our quick, online quote forms. If you have specific questions, you can also take advantage of our toll-free phone number. Pennsylvania Medicare recipients have a lot of choices they can make in 2018, but it’s important to spend some time comparing options to make the best use of Medicare benefits.