Best Medicare Supplement Plans in Pennsylvania

Allstate Health Solutions offers the most competitive Medicare Supplement plan rates in Pennsylvania. Plan G, priced at an average of $141.86 per month in Philadelphia County, provides the highest level of coverage. In Allegheny County, Plan N rates were, on average, $96.21 per month.

Our 2025 review of Allstate Medicare Supplement revealed the following key findings:

• Premiums are 12% more affordable on average.
• Up to 25% stackable discount is available.
• Excellent company financial ratings.
• Access to a user-friendly web portal.

Policyholders enjoy the following perks:

• Active&Fit fitness program.
• Guaranteed policy renewal for life.
• No requirement for specialist referrals.
• Nationwide coverage with Medicare-accepting providers.

In addition to the above, Allstate also offers dental insurance policies with three coverage levels. When paired with a Medicare Supplement plan, policyholders can access a 10% discount.

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

• Plan G Rates in PA

  Sample rates by age:

  Age 65 male: $141.86 – Age 65 female: $125.58

  Age 75 male: $182.50 – Age 75 female: $162.17

• Plan N Rates in PA

            Sample rates by age:

  Age 65 male: $96.21 – Age 65 female: $85.18

  Age 75 male: $120.92 – Age 75 female: $107.42

We’ve been impressed with Allstate’s Medicare Supplement plans in Pennsylvania. Their competitive rates make them an attractive option for anyone looking to save on monthly premiums without sacrificing coverage.

Moreover, Allstate’s strong financial rating gives us confidence in their ability to provide reliable support and stability in paying medical claims. Let’s take a closer look at both options. 

Best Plan G Rates: Allstate

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Average Medigap Plan G Cost in Philadelphia County, PA:

68-Year-Old Female

$134.00

68-Year-Old Male

$150.67

70-Year-Old Female

$136.58

70-Year-Old Male

$153.58

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

Overall, Plan G may help lower out-of-pocket expenses for beneficiaries.

Best Plan N Rates: Allstate

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Average Medigap Plan N Cost in Allegheny County, PA:

68-Year-Old Female

$88.67

68-Year-Old Male

$99.75

70-Year-Old Female

$90.50

70-Year-Old Male

$101.75

Plan N Overview:

• See any doctor who accepts Original Medicare
• $25 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:

• Original Medicare Part A and B coinsurance
• Part A deductible
• Emergency care

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 to help fill the gaps in Original Medicare, such as deductibles, copayments, and coinsurance.

Use the comparison chart below to explore 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?

Plan G vs Plan N: Comparing Benefits, Costs, and Real-Life Scenarios

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 their differences in premiums, benefits, and out-of-pocket costs make them appealing to different types of Medicare beneficiaries.

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 often considered 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.

Key Benefits of Plan G:

• 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).

Monthly Premium:

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

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:

Key Benefits of Plan N:

• 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).

Excluded:

• Part B excess charges (providers can bill up to 15% more than Medicare-approved amounts).

Monthly Premium:

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

Real-Life Examples: Plan G vs. Plan N in Action

Example 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.

Example 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.

Example 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?

The choice between Plan G and Plan N depends on your healthcare usage and budget:

• 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.

Plan G and Plan N provide robust Medicare Supplement coverage, but understanding the trade-offs between premiums and out-of-pocket costs is essential. Use the examples above to evaluate how each plan aligns with your medical needs and financial goals. For personalized advice, speak with one of our licensed insurance agents to help determine which plan is best for you.

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.

The Most Comprehensive Medicare Supplement Plan

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 the gaps in Medicare except for one: the Medicare Part B deductible (which is $257 in 2025). Once you pay this small deductible, Plan G takes over and pays for the rest of your Medicare-approved costs, including:

• Medicare Part A deductible (which is a hefty $1,676 per benefit period in 2025)
• Medicare Part A coinsurance and hospital costs
• Medicare Part B coinsurance and copayments
• Excess charges (if your doctor doesn’t accept Medicare’s standard rates)
• Skilled nursing facility care coinsurance
• Foreign travel emergency coverage (up to plan limits)

This means that with Plan G after you pay that small Part B deductible, you’ll have no copays, no coinsurance, and no surprise bills for Medicare-covered services.

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 makeup 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 for that.)
• 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 – no networks, no referrals, and no 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 for your healthcare expenses with confidence.

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 and freedom of choice.

Medicare Supplement Cost Comparison in Pennsylvania

Our review process found that Allstate 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%	$119.83	$92.64	Warren	A+
ACE Insurance Company	0.27%	$131.67	$99.75	Fayetee	A+
Aflac	0.03%	$131.69	$97.03	York	A+
Aetna Health Insurance Company	16.18%	$142.69	$95.13	Lancaster	A
United Health Care	33.80%	$168.09	$113.90	Bucks	A
Cigna Health Group	5.39%	$171.90	$118.09	Montgomery	A
Mutual of Omaha	4.58%	$180.00	$119.67	Chester	A+

In Pennsylvania, ten standardized Medigap plans offer the same coverage no matter which company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.

Most plans do not restrict you to a network, allowing you to visit any provider that accepts Original Medicare. To simplify your decision, compare costs and policyholder satisfaction ratings when considering insurance companies.

Which Plan G Carrier in Pennsylvania is Least Likely to Close a Book of Bussiness?

When shopping for a Medicare Supplement (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. However, 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 their benefits remain intact. This does not mean the company is going out of business – it simply means they are no longer accepting new customers into 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. Additionally:

• 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.

What to Focus On Instead

Rather than worrying about whether a company will close a block of business, focus on these key factors when choosing a Medigap plan:

• The Benefits You Need

All Medigap plans cover Medicare’s gaps differently, so choose one that best fits your healthcare needs.

• Monthly Premium Costs

Compare prices across different insurers while ensuring you’re getting the best value.

• Company Reputation & Financial Stability

Look at customer reviews and financial ratings to choose a reliable insurer.

• Rate Increase History

While premiums can rise over time, researching a company’s past rate increases can provide insight into 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 from time to time, they should not overshadow the numerous advantages Medigap plans offer.

Instead, focus on selecting a plan that provides the right coverage, a competitive monthly premium, and the peace of mind that comes with guaranteed benefits and consumer protections.

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.

This freedom makes them ideal for those who enjoy traveling or split their time between different states throughout the year.

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.

Whether you’re visiting family across the country, exploring national parks, or spending the winter in a warmer state, Medigap provides peace of mind that your healthcare coverage travels with you.

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.

For travelers and snowbirds, Medigap’s portability and ease of use make it an invaluable partner. You’ll have the reassurance of knowing you can access care wherever you go, without the hassle of navigating networks or prior authorizations.

It’s one of the many reasons Medigap plans remain a top choice for Medicare beneficiaries who value flexibility and comprehensive coverage.

Will My Medicare Supplement Benefits Change Each Year?

One of the key advantages of Medicare Supplement (Medigap) plans is their stability. 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 the plan, regardless of how healthcare laws or Medicare itself may evolve.

This stability is a significant relief for policyholders, especially those on a fixed income, as it provides predictability and helps avoid unexpected changes in coverage. 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.

This consistency makes Medigap plans an excellent choice for those who value reliable and straightforward coverage. You can rest assured knowing that the coverage you signed up for will always be there when you need it, year after year.

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 have their rights 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 hold Allstate in the highest regard. Our clients who choose Allstate are consistently satisfied in the long term due to their exceptional quality.

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’d like to guide you in finding a plan that aligns perfectly with your needs.

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

Frequently Asked Questions

• 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 typically provides more coverage than other options.

• What is the cost of a Medicare Supplement plan in Pennsylvania?

  On average, Medigap plans in Pennsylvania range from $47 – $193 monthly. However, actual premiums are determined based on several different factors.

• What are the most popular Medigap plans in Pennsylvania?

  Plan G and Plan N are the two most popular Medigap plans in Pennsylvania.