Best Medicare Supplement Plans in Pennsylvania

Allstate Health Solutions and Cigna Insurance Company offer the most competitive Medicare Supplement plan rates in Pennsylvania. Plan G, priced at an average of $159 per month with Allstate in Philadelphia County, provides the highest level of coverage. In Allegheny County, Plan N rates with Cigna are, on average, $101 per month.

We also believe that Highmark Blue Cross Blue Shield of Pennsylvania is a top choice for Medicare Supplement insurance. As one of Pennsylvania’s largest insurers, Highmark has a strong reputation and member trust. While its premiums aren’t the lowest, it adds value with benefits like the SilverSneakers fitness program, discounts on vision, hearing, and wellness services, and access to a large provider network.

We’ve been impressed with the plans offered by these Medicare Supplement providers in Pennsylvania. Their competitive rates and overall value make them an attractive option for anyone looking to save on monthly premiums without sacrificing coverage.

• Plan G Rates in PA

  Average sample rates by age:

  Age 65 male: $147 – Age 65 female: $123

  Age 75 male: $178 – Age 75 female: $158

• Plan N Rates in PA

            Average sample rates by age:

  Age 65 male: $101 – Age 65 female: $90

  Age 75 male: $125 – Age 75 female: $112

Medicare Supplement plans provide coverage for the healthcare needs of over 706,000 residents in Pennsylvania. Over 207,000 individuals have chosen Plan G, while Plan N has attracted over 105,000 enrollees.

Let’s take a closer look at these top provider’s Medigap options. 

Best Plan G Rates: Allstate

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Average Medigap Plan G Cost in Philadelphia County, PA:

68-Year-Old Female

$157.30

68-Year-Old Male

$177.70

70-Year-Old Female

$173.68

70-Year-Old Male

$196.27

Plan G Overview:

What sets Allstate‘s Plan G apart is the freedom it provides – such as no referrals or network restrictions. You have the flexibility to choose any medical provider within the Original Medicare network.

Some key features of these plans include access to the fitness program Active&Fit, household discounts, affordable monthly premiums, and high customer satisfaction rates.

Plan G Helps Pay the Following:

• Part B excess charges
• Medicare Part A deductible
• Part B coinsurance
• Emergency care
• Foreign travel emergency expenses
• Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
• Part A hospice care coinsurance or copayments
• Skilled nursing facility coinsurance
• First 3 pints of blood

Plan G doesn’t cover the Medicare Part B deductible, prescription drugs, routine dental, vision, or hearing care, long-term care, or personal comfort items.

Allstate Pros and Cons:

Pros:

• Premiums are 12% more affordable on average.
• Up to 25% stackable discounts are available.
• Excellent company financial ratings.
• Access to a user-friendly web portal.
• Dental insurance options with three coverage levels – and a 10% discount when paired with a Medicare Supplement plan.

• Relatively recent entrant in the Medicare Supplement space, so it lacks the long-term track record of more established providers.
• Availability and plan selection may vary by location.

Best Plan N Rates: Cigna

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Average Medigap Plan N Cost in Allegheny County, PA:

68-Year-Old Female

$95.34

68-Year-Old Male

$106.78

70-Year-Old Female

$101.64

70-Year-Old Male

$113.84

Plan N Overview:

• See any doctor who accepts Original Medicare
• $20 copay for office visits
• $50 copay for ER visits
• Additional policy options for dental, vision, and hearing
  
• Experience flexibility and peace of mind, with lower out-of-pocket expenses overall

Plan N Helps Pay the Following:

• Medicare Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits are used)
• Medicare Part A deductible
• Part A hospice care coinsurance or copayments
• Skilled nursing facility coinsurance
• Medicare Part B coinsurance or copays
• First 3 pints of blood
• 80% of emergency medical costs during foreign travel (up to plan limits)

Plan N doesn’t cover the Part B deductible, excess charges, prescription drugs, routine dental, vision, or hearing care, or long-term care.

Cigna Pros and Cons:

Pros:

• A long-standing, reputable insurer with a strong presence in the Medicare space.
• Often offers affordable rates, especially for Plans G and N.
• Offers discounts (typically 5-7%) if multiple members of a household enroll.
• Known for relatively stable rate increases compared to some competitors.
• Use any doctor or specialist that accepts Medicare – no networks or referrals needed.

Cons:

• Some users report issues with claim handling or customer service delays.
• Discounts aren’t as competitive as other leading providers.

Best Value: Highmark

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Highmark Medigap Overview:

Highmark is a leading Medicare Supplement provider in Pennsylvania, offering a mix of comprehensive coverage and value. 

Highmark offers popular Medigap plans, including Plan A, B, C (limited eligibility), D, F (for pre-2020 Medicare enrollees), G, and N. Plan G and Plan N are the most popular due to their balance of coverage and affordability.

Highmark has boosted its Medigap plans with some great extra perks to add more value, like:

• Dental and Vision Add-Ons: For an additional cost, you can choose optional standalone or bundled dental and vision plans.
• Prescription Drug Plans (Part D): You can bundle Highmark’s Medicare Part D plans with your Medigap policy, keeping everything under one provider.
• SilverSneakers® Membership: Many Highmark Medigap plans include free access to SilverSneakers®, giving you gym memberships and wellness classes at no extra cost.
• Blue365® Discounts: Enjoy savings on health-related products and services, like eyewear, hearing aids, and nutrition programs.

Highmark’s premiums in Pennsylvania depend on factors like age, gender, tobacco use, and location. For a 65-year-old non-smoker, Plan G costs $120-$160/month, Plan N $90-$130/month, and Plan F (if eligible) $150-$190/month. Household discounts of around 5% may also be available in some areas.

While not always the cheapest, many policyholders believe Highmark’s reputation, service, and perks make the cost worth it.

Highmark Pros and Cons:

Pros:

• One of the top Medicare Supplement insurers in Pennsylvania, recognized by both providers and consumers for reliability in claims and member services.
• Allows members to visit any doctor or facility that accepts Medicare in the U.S., with no referrals needed.
• Known for moderate and predictable premium increases, making long-term budgeting easier.
• Some plans may offer a small premium discount if you opt for an automatic bank draft.
• Ongoing deals on fitness gear, hearing aids, glasses, nutrition programs, and more.
• Has regional customer service centers in Pennsylvania, which helps ensure that members get support from agents familiar with local Medicare issues and provider networks.

Cons:

• Typically priced in the mid-to-upper range – so they aren’t the cheapest option.
• Not all counties in Pennsylvania offer the same plan selection or bundled perks.
• If you ever move out of Pennsylvania or Highmark’s service region, you might need to switch insurers or go through underwriting again, depending on state rules and plan availability.

Which Company Is Best for You?

Choosing the right Medicare Supplement plan in Pennsylvania depends on your healthcare needs, budget, and preferences.

• Allstate Health Solutions is ideal for those who want comprehensive coverage (Plan G) at a lower cost without network restrictions. It’s a great fit if you value flexibility, want access to added perks like fitness programs and discounts, and are looking for one of the most affordable Plan G options in Philadelphia County. Right now, we are seeing many of our clients choosing Allstate because of their lower premiums.

• Cigna is a strong choice for budget-conscious individuals who are comfortable with occasional copays. Their Plan N stands out in PA for its low monthly premiums and solid reputation, making it perfect for those in good health who don’t mind paying a small copay for doctor or ER visits.

• Highmark Blue Cross Blue Shield offers the best value for those who prioritize trusted service, stability, and added wellness perks. While premiums are higher, the extras – like SilverSneakers, dental/vision add-ons, and wellness discounts – make Highmark a strong pick for those who want a well-rounded package and the peace of mind of working with a top-rated local insurer.

All are great options – it really comes down to if you want the lowest price or perks.

How Many Medicare Supplement Plans Are Offered in Pennsylvania?

There are 10 standardized Medigap plans to choose from: Plans A, B, C, D, F, G, K, L, M, and N. Each plan offers different levels of coverage, such as deductibles, copayments, and coinsurance, to help fill the gaps in Original Medicare.

Below is a comparison chart showing the differences between the plans, such as coverage for deductibles, coinsurance, and foreign travel emergencies. This side-by-side view makes identifying the plan that aligns with your lifestyle and budget easier.

As you read on, you’ll see why Medigap Plan G stands out as the best choice.

What's the Most Popular Medicare Supplement in Pennsylvania?

When it comes to Medicare Supplement plans, Plan G and Plan N are two of the most popular options. They both provide comprehensive coverage but have slight differences in premiums and out-of-pocket costs.

I’ll break down the benefits and costs of Plan G and Plan N and provide real-life examples to illustrate how these plans work in practice.

Plan G: Comprehensive Coverage With Higher Premiums

Plan G is the most comprehensive Medigap plan available for new Medicare beneficiaries. It covers nearly all out-of-pocket costs except the Medicare Part B deductible, which will be $257 in 2025.

In Pennsylvania, Plan G premiums average around $120–$150 monthly for a 65-year-old nonsmoker.

Plan G covers:

• Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used).
• Medicare Part B coinsurance or copayment.
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayment.
• Skilled nursing facility coinsurance.
• Part A deductible.
• Part B excess charges.
• Foreign travel emergency (up to plan limits).

Plan N: Lower Premiums With Shared Costs

Plan N offers a slightly lower premium in exchange for some cost-sharing. While it covers many of the same benefits as Plan G, there are key differences to keep in mind:

In Pennsylvania, Plan N premiums average around $90–$110 monthly for a 65-year-old nonsmoker. 

Plan N covers:

• Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used).
• Medicare Part B coinsurance or copayment (except for a $20 copay for office visits and a $50 copay for emergency room visits that do not result in an inpatient admission).
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayment.
• Skilled nursing facility coinsurance.
• Part A deductible.
• Foreign travel emergency (up to plan limits).

Important note: Plan N does not cover Part B excess charges (providers can bill up to 15% more than Medicare-approved amounts).

Real-Life Scenarios: Plan G vs. Plan N

Scenario #1. Routine Office Visit:

Sarah (Plan G): Sarah visits her primary care doctor for her annual checkup. Medicare covers 80% of the cost, and Plan G covers the remaining 20%. Sarah pays nothing out-of-pocket.

Mike (Plan N): Mike also visits his doctor for a routine checkup. Medicare covers 80% of the cost, and Plan N covers the remaining 20%, except for a $20 copay. Mike pays $20 for the visit.

Scenario #2.  Emergency Room Visit:

Sarah (Plan G): Sarah goes to the ER for a minor injury. The visit costs $1,000. After Medicare pays its portion, Plan G covers the remaining balance. Sarah pays nothing out-of-pocket.

Mike (Plan N): Mike’s similar ER visit costs $1,000. Medicare pays its share, and Plan N covers the rest, except for the $50 ER copay. Mike pays $50.

Scenario #3. Specialist Visit with Excess Charges:

Sarah (Plan G): Sarah sees a specialist who charges $150 above the Medicare-approved amount. Plan G covers the excess charges, and Sarah pays nothing.

Mike (Plan N): Mike sees the same specialist. Because Plan N does not cover Part B excess charges, Mike is responsible for paying the $150 out-of-pocket.

Which Plan Is Right for You?

Choose Plan G if you want peace of mind with no copays, no excess charges, and comprehensive coverage. This plan is ideal for individuals who visit specialists frequently or want minimal out-of-pocket expenses.

Choose Plan N if you want to save on monthly premiums and are willing to pay occasional copays for doctor visits or ER trips. This plan works well for healthy individuals who rarely need specialist care.

Is There a Medicare Supplement That Covers Everything?

One question I often hear is: Is there a Medicare supplement plan that covers everything?

The short answer? Almost – but not quite.

Medigap Plan G is your best bet if you’re looking for the closest thing to full coverage. This plan covers just about all of Medicare’s gaps except for one: the Medicare Part B deductible (which will be $257 in 2025).

Once you pay this small deductible, Plan G pays for the rest of your Medicare-approved cost.

What About Plan F?

Some people still have access to Medigap Plan F, which does cover the Part B deductible – meaning it truly offers first-dollar coverage.

However, Plan F is no longer available to new Medicare enrollees who became eligible after January 1, 2020.

If you were eligible for Medicare before this date, you can still enroll in Plan F, but it often comes with higher premiums than Plan G. In most cases, the premium savings with Plan G more than make up for the small deductible you have to pay.

What Medicare Supplement Plans Don’t Cover

Even the best Medigap plan has its limits. No Medicare Supplement plan, including Plan G or Plan F, covers:

• Prescription drugs (You’ll need a separate Medicare Part D plan.)
• Routine dental, vision, and hearing care
• Long-term care (like nursing home stays beyond 100 days)
• Cosmetic procedures

However, with a Medigap plan, you have the freedom to see any doctor or specialist who accepts Medicare – there are no networks, referrals, or prior authorizations like you’d find with Medicare Advantage.

In my 15+ years of helping people navigate Medicare, I’ve seen firsthand how Medigap plans – especially Plan G – provide peace of mind. Unlike Medicare Advantage, which can have unpredictable copays and network restrictions, a good supplement plan allows you to budget your healthcare expenses confidently.

So, is there a Medicare Supplement plan that covers everything? Not quite – but Plan G gets you as close as possible, making it my top recommendation for those who want reliable coverage.

Medicare Supplement Cost Comparison in Pennsylvania

Our review process found that Allstate and Cigna’s Medigap plans in Pennsylvania are usually more affordable, making them a top choice. However, the best Medicare Supplement company for you will depend on the specific plan letter you are considering.

For example, even though one company might provide cheaper rates for Plan N, another company could offer more affordable costs for Plan G. Each company has its own set of advantages and disadvantages depending on its plan levels.

Medicare Supplement insurance (Medigap) plans in Pennsylvania vary in cost based on factors such as the specific plan type, the insurer, your age, gender, and smoking status. On average, monthly premiums for popular plans are as follows:

Company	Market Share	Plan G Cost	Plan N Cost	Cost by County	Financial Strength
Allstate Health Solutions	0.01%	$134.05	$103.76	Warren	A+
ACE Insurance Company	0.27%	$147.50	$103.75	Fayette	A+
Aflac	0.03%	$139.60	$99.94	York	A+
Aetna Health Insurance Company	16.18%	$155.52	$103.71	Lancaster	A
Highmark Blue Cross Blue Shield	11.7%	$172.90	$179.50	Westmoreland	A+
United Health Care	33.80%	$182.71	$120.86	Bucks	A
Cigna Health Group	5.39%	$151.86	$100.65	Montgomery	A
Mutual of Omaha	4.58%	$201.59	$130.44	Chester	A+

Medicare Supplement premiums in Pennsylvania show significant variation across providers, even for the same plan types. Here’s a closer look at how each company stacks up in terms of cost, using the lowest Plan G and Plan N rates as baselines:

Plan G – Who’s the Most Affordable?

• Lowest Rate: Allstate – $134.05

Here’s how other companies compare:

• Aflac – $139.60 → 4.1% higher

• ACE – $147.50 → 10.0% higher

• Cigna – $151.86 → 13.3% higher

• Aetna – $155.52 → 16.0% higher

• Highmark BCBS – $172.90 → 29.0% higher

• UnitedHealthcare – $182.71 → 36.3% higher

• Mutual of Omaha – $201.59 → 50.3% higher

Takeaway: If Plan G is your choice and the monthly premium is your top concern, Allstate, Aflac, and ACE offer the most budget-friendly rates, staying within 10% of the lowest option.

👉 We’re currently seeing many of our clients in Pennsylvania enrolling in Allstate for this very reason – their Plan G rates are among the lowest in the state, making them a popular and practical choice.

Plan N – Who’s the Most Affordable?

• Lowest Rate: Aflac – $99.94

Other companies rank as follows:

• Cigna – $100.65 → 0.7% higher

• ACE – $103.75 → 3.8% higher

• Allstate – $103.76 → 3.8% higher

• Aetna – $103.71 → 3.8% higher

• UnitedHealthcare – $120.86 → 20.9% higher

• Mutual of Omaha – $130.44 → 30.5% higher

• Highmark BCBS – $179.50 → 79.5% higher

Takeaway: Aflac and Cigna are the clear leaders for Plan N pricing, with rates nearly identical and significantly lower than major carriers like Highmark or Mutual of Omaha. Allstate, ACE, and Aetna also remain competitively priced in the same range.

Our Thoughts

In Pennsylvania, there are ten standardized Medigap plans, which means the coverage you receive for each plan letter is the same, no matter which insurance company you choose. Some areas may also offer high-deductible versions of plans like Plan G, giving cost-conscious individuals even more flexibility.

• For Plan G, Allstate is currently offering the lowest monthly premium, and we’ve seen a strong wave of client enrollments as a result.

• For Plan N, Aflac and Cigna come out on top for affordability, with several other providers offering similarly competitive rates.

• Well-known carriers like Mutual of Omaha, Highmark, and UnitedHealthcare can cost 25–80% more for the same benefits – making it essential to shop by rate, not just brand name.

By comparing rates plan by plan and provider by provider, you can make an informed decision that maximizes both coverage and value. Choosing a lower-cost insurer with the same standardized benefits can lead to significant long-term savings – without compromising your healthcare freedom.

Which Plan G Provider in Pennsylvania Is Least Likely to Close a Block of Business?

When shopping for a Medigap plan, you may come across concerns about insurance companies closing their blocks of business. This topic often sparks confusion, leading some people to question whether they should choose a Medigap plan at all.

While this is a complex issue, it should not be a determining factor in your decision-making process.

What Does It Mean When a Medigap Block of Business Closes?

A “closed block of business” refers to a situation where an insurance company stops selling a particular Medigap plan to new enrollees.

However, existing policyholders can still keep their coverage and benefits intact. This does not mean the company is going out of business – it simply means they are no longer accepting new customers for that specific plan.

Companies make these decisions for various reasons, including financial considerations, changes in regulatory requirements, or shifts in their medical loss ratios.

While some worry that a closed block might lead to higher premiums over time (due to an aging risk pool), no one can predict exactly when or if this will happen.

Why This Shouldn’t Be a Dealbreaker

It’s important to recognize that Medigap policies are regulated by federal and state laws designed to protect consumers. Even if a company closes a block of business, you still have guaranteed benefits and protections. 

To help clarify:

• Your benefits remain the same. Medigap plans are standardized, meaning that if you have Plan G with one company, it must offer the same coverage as Plan G from another company.
• Medigap plans offer stability. Unlike Medicare Advantage plans, which can change networks and benefits annually, Medigap plans provide predictable coverage that stays consistent year after year.
• You are protected if a company goes out of business. If your insurer ever becomes insolvent, state guarantee associations step in to ensure your claims are still paid, and grant you a guaranteed issue right to move to another Medigap company without medical underwriting.

Rather than worrying about whether a company will close a block of business, focus on the key factors like the benefits that match your healthcare needs, affordable monthly premiums, the insurer’s reputation and financial stability, and their history of rate increases to ensure long-term affordability.

Medigap is one of the best ways to secure comprehensive, predictable healthcare coverage in retirement. While concerns about closed blocks of business arise occasionally, they should not overshadow the many advantages Medigap plans offer.

Do Medicare Supplement Plans Require Me to Use a Network?

One of the standout benefits of Medicare Supplement plans, also known as Medigap, is their exceptional flexibility when it comes to travel.

Unlike Medicare Advantage plans, which often rely on networks of doctors and hospitals that can vary by region, Medigap plans don’t lock you into a specific provider network.

• With a Medigap plan, you can see any doctor or specialist that accepts Original Medicare, regardless of where you are in the United States. This means you won’t need to worry about being “out of network” or dealing with higher out-of-pocket costs simply because you’re away from home.

In addition to domestic travel, some Medigap plans (like Plans G, F, and N) even offer coverage for emergency medical care while traveling abroad.

While Original Medicare provides limited international coverage, certain Medigap plans step in to help cover emergency costs, often up to 80% of the approved expenses, after meeting a small deductible.

Will My Medicare Supplement Benefits Change Each Year?

Unlike other types of coverage, such as Medicare Advantage or Part D prescription drug plans, the benefits of a Medigap policy are standardized and do not change from year to year.

Once you purchase a Medigap plan, the benefits outlined in your policy will remain consistent for as long as you keep it, regardless of how healthcare laws or Medicare itself may evolve.

For example, Medigap Plan G will always cover the same benefits, whether you purchased it this year or five years ago.

Additionally, Medigap plans operate independently of the Medicare Annual Enrollment Period. This means you don’t need to re-enroll each year or worry about annual notices of change altering your coverage.

However, while your benefits remain the same, it’s worth noting that premiums can increase over time due to factors such as inflation, age, or other adjustments made by your insurance provider.

Does Medical History Affect Medigap Prices in Pennsylvania?

In Pennsylvania, Medigap insurers are prohibited from charging higher premiums based on an individual’s medical history when applying for a Medigap policy during their initial six-month enrollment window.

During this enrollment period, federal law ensures that individuals’ rights are protected, and insurance companies are obligated to offer Medigap policies at the most favorable rates, irrespective of health status.

• Expert Tip:

  Tobacco rates are not applicable during the Open Enrollment Period or in guaranteed-issue rights situations in Pennsylvania.

Final Verdict

With extensive industry experience and a proven track record of helping individuals find the right coverage, we think Allstate, Cigna, and Highmark are great options when looking for a Medigap provider. Our clients who choose them are consistently satisfied in the long term due to their exceptional quality.

We also believe that Plan G is the best choice among the 10 Medigap plans in terms of comprehensive coverage.

Choosing the right Medicare plan requires thoughtful consideration. With Policy Guide, skilled agents will assist you in evaluating health plans, pricing, and policies, empowering you to make an informed decision. We’re happy to help!

Article Sources:  PA Medigap Coverage Guide  |  Plan Costs  |  How Do I Enroll?  |  Allstate  | PA AHIP

FAQs

• Is there a Medicare Supplement plan in Pennsylvania that covers everything?

  If you became eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. If you become eligible after that date, Plan G provides more coverage than any other option.

• Is Highmark insurance the same as Blue Cross Blue Shield?

  Highmark is an independent licensee of the Blue Cross Blue Shield Association, meaning it’s part of the nationwide BCBS network but operates under its own name and management in specific regions – primarily Pennsylvania, Delaware, West Virginia, and parts of New York.

  So when you see Highmark Blue Cross Blue Shield, it’s the local BCBS plan for your area, just under the Highmark brand.

• Are there any special Medigap rules in Pennsylvania?

  Pennsylvania does NOT have a Medigap birthday rule or anniversary rule, unlike states like California, Oregon, Illinois, or Missouri. That means if you want to switch Medigap plans outside your initial enrollment period, you may be subject to medical underwriting unless you qualify for a guaranteed issue right (like losing other coverage).

• What does Medigap not cover?

  Medigap does not cover prescription drugs (Part D), dental, vision, or hearing care, long-term custodial care, private-duty nursing, comprehensive overseas coverage, or alternative/experimental treatments. Separate plans or insurance may be needed for these services.

• Is Plan G better than Medicare Advantage?

  Medigap Plan G offers key advantages over Medicare Advantage, including predictable low out-of-pocket costs, nationwide access to any doctor or hospital accepting Medicare, no network restrictions, no prior authorizations for most services, and stable, consistent coverage that doesn’t change annually. It’s an ideal choice for those seeking flexibility, simplicity, and reliable coverage.