Pennsylvania Medicare Plans
Pennsylvania, like most states, has a lot of options for Medicare coverage. Many beneficiaries find that their Medicare coverage is best accompanied by a Prescription Part D plan and/or a Supplement to help provide further coverage. There are many different options and you’re sure to find something that fits both your healthcare and budgetary needs.
Pennsylvania Medicare plans open enrollment
At 65 you may begin enrolling for Medicare benefits. You have a 6 month open enrollment window. This window begins 3 months prior to your birthday and continues for the 3 months after your birthday. At this time it is best to enroll in a Supplement as well since you cannot be denied because of your health conditions.
While you may enroll in a Supplement at any time during the year, you will be required to complete a health survey and can potentially be declined due to your pre-existing health conditions.
The Medicare plans in Pennsylvania are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 71 different Advantage plans in Pennsylvania depending on the county in which you reside. Advantage (Part C) plans are private insurance plans that offer all the same benefits as Original Medicare as well as additional benefits. These additional benefits include vision, dental, and prescription drug coverage.
There is a dedicated open enrollment period for existing beneficiaries. This period begins January 1st and ends March 31st of each year. At this time you may switch your plan or opt into an Original Medicare plan.
Medicare Part D
The 30 Part D plans in Pennsylvania provide prescription drug coverage. Original Medicare and Supplements do not cover costs at the pharmacy. If you need to limit your out-of-pocket spending on prescription drugs, you may want to opt into a Part D plan or an Advantage plan.
How we can help
Remember, all plans provide standardized coverage, and the only difference is the cost. Our Pennsylvania licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.