Pennsylvania has over 2.8 million Medicare beneficiaries — the fifth highest total of any state
[1]
. About 1.5 million of those beneficiaries have Original Medicare (Part A and Part B).

Pennsylvanians with Medicare Part A and Part B can purchase Medicare Supplement Insurance, or Medigap, to help cover certain out-of-pocket expenses like copays, coinsurance and deductibles left over after Medicare pays for covered services. More than 700,000 Pennsylvanians had Medigap coverage at the end of 2020
[2]
.

Here’s what you need to know about finding the best Medigap policy for you in Pennsylvania.

Most popular Medicare Supplement Insurance plan types in Pennsylvania
There are 10 standard Medigap plan types available in Pennsylvania (Plan C and Plan F aren’t available for new Medicare members). However, more than 75% of Pennsylvania’s Medigap members are in one of the three most popular types.

Here are Pennsylvania's top three most popular Medicare Supplement Insurance plan types
[3]
:

35% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.

26% have Medigap Plan G — the highest-coverage option available to new Medicare members.

14% have Medigap Plan N — a plan with lower premiums but higher copays.

🤓
Nerdy Tip
Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option available to all Medicare beneficiaries.

Top Medicare Supplement Insurance companies in PA
The government regulates Medigap plans, but private insurance companies sell them. Here are the five most popular Medicare Supplement Insurance companies in Pennsylvania as of the end of 2020
[4]
:

Insurance company

Share of Pennsylvania Medigap members

1. AARP/UnitedHealthcare

32.3%.

2. Highmark*

12.7%.

3. Aetna

9.6%.

4. Cigna

4.9%.

5. Independence Blue Cross*

4.5%.

*Highmark and Independence Blue Cross are independent Blue Cross Blue Shield companies.

» MORE: Best Medicare Supplement Insurance companies
Medicare Supplement Insurance prices in Pennsylvania
It’s worth comparing companies to find the lowest price for your chosen plan. The benefits of each Medigap plan are standardized, so you get the same Medicare benefits regardless of the company you choose.

Here are the prices for Medigap Plan G and Plan N, the most popular plans available for new Medicare members, from the five Medigap companies with the most members in Pennsylvania.

» MORE: Medigap Plan G vs. Plan N: Which is best?

The table below shows price quotes for a 65-year-old female nonsmoker in Pittsburgh. The prices listed reflect base pricing with discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for males.)