Best Medicare Supplement Plans in Pennsylvania 2025

When you’re choosing a Medicare Supplement plan in Pennsylvania, one of the first things you’ll notice is how popular Plan G has become – and for good reason. It offers nearly full coverage, with only the small Medicare Part B deductible as your out-of-pocket responsibility.

Many people don’t realize that while Plan G benefits are standardized, meaning they’re identical across every insurance company, the pricing and experience with each insurer can vary widely.

That’s why choosing the right company is just as important as choosing the right plan.

Below, we’ll look at three of the most competitively priced Plan G options available in Pennsylvania for 2025 and explore what each company offers beyond a premium quote.

Let’s start with Allstate.

#1. Allstate Health Solutions

Allstate might be a newer name in the Medicare Supplement space, but it’s entering the market with some of the most aggressive pricing and broadest benefit options we’ve seen in Pennsylvania this year.

At $123.23/month, it currently offers the lowest Plan G premium in the state.

Allstate offers both Plan G and Plan N, giving you flexibility if you’re deciding between full coverage (Plan G) or a lower monthly premium with some small cost-sharing (Plan N).

Allstate: Dental, Vision, and Hearing (DVH) Coverage

One of the standout features of Allstate is its optional DVH package. This includes:

• Preventive and comprehensive dental coverage (such as cleanings, X-rays, and major services like fillings or extractions)
• Vision benefits, including routine eye exams and allowances for glasses or contact lenses
• Hearing benefits, including exams and some support toward hearing aids

Having access to this coverage in-house (rather than needing a third-party plan) simplifies things for enrollees who want to cover more than just the gaps in Medicare.

Allstate: Household Discounts

Allstate offers a household discount, typically around 7%, for individuals living with another adult over a certain age.

This discount applies even if the other household member isn’t enrolled with Allstate.

Allstate: Pros and Cons

Pros:	Cons:
The lowest monthly premium for Plan G in PA, making it extremely attractive for cost-conscious buyers	Newer in the Medigap space, may raise questions about long-term rate stability
DVH coverage is available, which is a rarity among low-cost carriers	Online servicing tools and Medicare-specific support infrastructure may be less mature compared to legacy insurers
Backed by a national brand with strong financial footing and long-standing consumer trust

Our Thoughts

Allstate is quickly becoming a top choice in the Medicare Supplement space. If you’re looking into Medigap policies in Pennsylvania, Allstate is worth checking out for its competitive pricing and extra perks like DVH coverage.

#2. ACE Property and Casualty Insurance Company (Chubb)

ACE may not be a household name when it comes to Medicare, but it’s underwritten by Chubb, one of the largest and most financially stable insurance groups in the world. That kind of backing offers a degree of stability that many smaller carriers can’t match.

At $131.17/month, ACE offers a very competitive Plan G premium – just slightly higher than Allstate – and keeps things simple by focusing on the essentials.

ACE primarily offers Plan G, its flagship Medicare Supplement product. While some regions offer Plan N or High-Deductible Plan G, Plan G remains its dominant offering in Pennsylvania.

ACE: Dental, Vision, and Hearing Coverage

Unlike Allstate and Highmark, ACE does not offer any DVH benefits – neither as a rider nor through a bundled plan.

If you need dental, vision, or hearing coverage, you’ll need to purchase a separate standalone policy from another provider.

ACE: Household Discounts

ACE typically offers a household discount of 7–12%, though this can vary slightly by ZIP code or Pennsylvania’s underwriting rules.

For couples with both adults on Medicare, this can lead to some significant monthly savings.

ACE: Pros and Cons

Pros:	Cons:
Low monthly premium for Plan G	No DVH coverage, which may be a downside for people looking to consolidate their benefits under one plan
Financial backing from Chubb, which carries an A++ rating from AM Best – the highest possible	Limited brand recognition among Medicare buyers, which could be a concern for some
Straightforward experience, with fewer add-ons or complications for people who just want core Medigap coverage	Basic service features – may not include robust mobile apps, member portals, or wellness programs

Our Thoughts

ACE is a great choice for buyers who are looking for a low premium but don’t need extra perks. It’s simple, efficient, and backed by a financially elite insurance group – even if it lacks the extras.

#3. Highmark Blue Cross Blue Shield

Highmark is one of the most recognized and respected health insurance providers in Pennsylvania. With deep roots in the region, they’ve earned a strong reputation for trust and customer service.

That said, their Plan G premium ranges from $156.30-$234.45/month – the highest among the three featured companies.

Highmark typically offers Plan G and Plan N, depending on your county. If you’re not sure which plans are available in your area, it’s worth having a licensed agent check based on your ZIP code.

Highmark: DVH Coverage

Highmark does offer DVH coverage, but it may be structured as either:

• A rider added to your Medicare Supplement policy, or
• A separate Blue-branded dental or vision plan you can purchase alongside your Medigap policy

While this adds flexibility, the cost tends to be a bit higher than what you’d see with a bundled DVH offering from carriers like Allstate.

Highmark: Household Discounts

Highmark typically offers a 5–7% household discount in Pennsylvania. While that can help offset the higher premium, it’s still the priciest of the three after discounts are applied.

Highmark: Pros and Cons

Pros:	Cons:
Unmatched brand recognition and strong local reputation in PA	Highest Plan G premium, which may be hard to justify if you’re only comparing the cost
Excellent customer service and in-state support for questions or billing concerns	DVH options are available but can be more expensive and harder to navigate
Received an ‘A’ (Excellent) rating from A.M. Best, indicating a strong ability to meet its ongoing insurance obligations	Fewer value-added perks for the price, compared to newer, more aggressive competitors

Our Thoughts

Highmark is ideal for people who prioritize trust, brand comfort, and strong service – and are willing to pay more for it.

If cost isn’t your primary concern and you want to stick with a company that’s been in Pennsylvania’s Medicare market for decades, Highmark could be the right fit.

Comparing Allstate, ACE, and Highmark for Medigap Plan G in Pennsylvania

When evaluating Plan G options in Pennsylvania, Allstate, ACE, and Highmark Blue Cross Blue Shield stand out as the most prominent carriers.

Each offers different strengths depending on your priorities – whether it’s cost, brand recognition, or extra benefits like dental and vision.

Let’s sum up the key takeaways for each provider.

Summary

Allstate offers the best mix of price and benefits, ACE is ideal for budget-conscious buyers, and Highmark appeals to Pennsylvanians seeking a trusted, regional option despite its higher cost.

Your best option depends on how you weigh monthly savings, service expectations, and whether you want extras like dental and vision coverage bundled in.

How Do Allstate, ACE, and Highmark Compare to Aetna in Pennsylvania?

In Pennsylvania, Aetna is one of the better-known names in the Medicare Supplement market. While they do not offer the most competitive pricing for Plan G, they do provide additional plan options that may appeal to certain buyers.

Here’s how Aetna’s 2025 rates compare:

• Plan G: $155.44/month
• Plan N: $103.63/month
• High-Deductible Plan G (HDG): $47.15/month

Although Aetna does not lead on price, it offers a wider variety of plan types than some of the other top carriers – particularly if you’re considering alternatives to Plan G.

Here is a chart showing how Aetna stacks up against some of the other providers we’ve reviewed:

Company	Plan G Premium	Plan N Premium	HDG Premium	DVH Add-On	Summary
Allstate	$123.23	$95.40	Not offered	Yes	Lowest Plan G premium; DVH coverage optional
ACE	$131.17	$92.25	$50.17	No	Competitive Plan G pricing; simple offering
Highmark	$156.30-$234.45	$179.50-$215.35	Not offered	Yes	Local brand with DVH options available
Aetna	$155.44	$103.63	$47.15	Yes	Offers Plan G, Plan N, and HDG; higher pricing

Our Thoughts on Aetna

Aetna’s pricing for Plan G is among the highest of the four companies compared here. While they do provide access to Plan N and High-Deductible G, their monthly rates do not stand out for affordability.

Some buyers may consider Aetna if they’re specifically looking for more plan variety, but it’s important to weigh that against higher long-term costs.

Like most national insurers, Aetna also offers a household discount and optional dental, vision, and hearing coverage, although those features are not unique in the current market.

Quick Recap:

• Allstate remains the most affordable carrier for Plan G in Pennsylvania.
• ACE follows closely behind for those looking for a no-frills, low-cost option.
• Highmark provides strong local name recognition but at a higher premium.
• Aetna’s broader plan selection may appeal to certain buyers, but their Plan G pricing is less competitive.

For most shoppers focused on long-term value, there are stronger choices than Aetna when it comes to cost and benefit combinations.

How Do Allstate, ACE, and Highmark Compare to American Home Life?

American Home Life (AHL) is a smaller Medicare Supplement insurer that has recently gained attention for its competitive pricing, particularly on Plan N.

While they don’t offer a High-Deductible Plan G (HDG), their premiums for both Plan G and Plan N are worth considering if you’re comparing rates in Pennsylvania.

Here’s how AHL’s pricing compares for 2025:

• Plan G: $145.40/month
• Plan N: $102.80/month
• High-Deductible Plan G: Not offered

Here is a chart showing how American Home Life stacks up against some of the other providers we’ve reviewed:

Company	Plan G Premium	Plan N Premium	HDG Offered?	DVH Available?	Notes
Allstate	$123.23	$95.40	No	Yes	Lowest Plan G premium + DVH option
ACE	$131.17	$92.25	Region-dependent	No	Low Plan G option; no DVH coverage
Highmark	$156.30-$234.45	$179.50-$215.35	No	Yes	Local PA brand; higher cost
American Home Life	$145.40	$102.80	No	Not bundled	Competitive Plan N pricing; fewer bundled options

Our Thoughts on AHL

American Home Life’s Plan N rate of $102.80 is currently one of the lowest in the state. For buyers who are considering Plan N specifically – and are comfortable with small copays and no coverage for excess charges – AHL may be worth a look strictly from a premium standpoint.

On the other hand, their Plan G pricing at $145.40 is significantly higher than Allstate ($123.23) and ACE ($131.17). Additionally, the lack of a High-Deductible G option limits flexibility for shoppers looking for a low-premium, safety-net-style plan.

AHL also does not offer integrated dental, vision, or hearing (DVH) benefits within its Medicare Supplement products. For those seeking these extras, Allstate or Highmark would be better suited.

Pennsylvania Medicare Supplement Providers You Should Avoid

While many Medicare Supplement plans in Pennsylvania are competitively priced, a handful of carriers stand out for being significantly overpriced without offering anything extra in return.

All Medigap plans are standardized, meaning higher premiums don’t provide better benefits, broader coverage, or faster claims processing.

Below are three carriers with some of the highest premiums in the state for Plan G and Plan N – and why they’re generally worth avoiding (unless there’s a very specific reason to consider them).

#1. Guaranteed Trust Life (GTL)

Guaranteed Trust Life is nearly double the price of Allstate, ACE, or even American Home Life. Despite this inflated cost, it offers no additional benefits or services that would justify such a steep premium.

• Plan G Premium: $239.92/month

There’s no bundled dental or vision coverage, no standout discount structure, and no enhanced service model.

For most Medicare enrollees, this pricing is simply out of alignment with the value offered. You’re paying much more for the same coverage available at far lower rates elsewhere.

#2. GPM Health and Life

GPM Health and Life isn’t quite as high as GTL, but it still ranks near the top for Pennsylvania’s most expensive Plan G and Plan N options.

• Plan G Premium: $225.76/month
• Plan N Premium: $124.08/month
• AM Best Rating: B++

Their Plan N price exceeds $120/month, even though companies like American Home Life offer comparable coverage for just over $100/month.

In addition, their financial strength rating (B++) is below that of stronger insurers like Chubb (A++) or Aetna (A). Combined with the steep pricing, this makes GPM a questionable value for most shoppers.

#3. Medical Life and Health Insurance Company

Medical Life and Health is another example of a carrier with Plan G pricing well above the state average, yet offering nothing particularly unique.

• Plan G Premium: $211.79/month

There’s no integrated DVH package, no loyalty perks, and no standout service footprint. The only distinguishing factor here is the premium – and that’s not a good thing.

Bottom Line

If a company is charging $200–$240 per month while others are charging $120–$130 for the same plan, that’s a red flag.

What you’re paying for is the name on the card, the rate increase history, and maybe access to some extras like household discounts or bundled DVH coverage.

It’s important to remember that a Plan G from one company is the same as a Plan G from any other – by law.

These higher-cost carriers don’t offer superior customer service, more comprehensive benefits, or faster claims processing.

In almost every case, they’re simply less competitive, which can add up to thousands of dollars in unnecessary costs over time.

How Do I Pick the Best Medicare Supplement Company in Pennsylvania?

If you’ve made it this far, you’re likely comparing your final options – and maybe feeling a little overwhelmed. Don’t worry, that’s normal.

Choosing a Medicare Supplement plan is one of the most important decisions you’ll make about your health coverage, and it’s worth taking the time to get it right.

Just remember: Every Medicare Supplement Plan G, Plan N, or High-Deductible G offers the exact same core benefits – no matter which company you choose.

That’s because Medigap plans are federally standardized. A Plan G from Allstate covers the same services as a Plan G from Highmark or Aetna.

What changes is:

• The monthly premium
• The financial stability and customer service of the company
• Whether optional benefits like dental, vision, and hearing (DVH) coverage are available
• The company’s history with rate increases over time

So instead of stressing over whether the coverage is “better” from one carrier to another, let’s walk through what you should focus on instead.

#1. Monthly Premium: This is often the deciding factor. Since the benefits are identical, paying more each month doesn’t get you more coverage – it just costs you more. Carriers like Allstate and ACE tend to be the best value in Pennsylvania right now for Plan G.

#2. Brand Trust and Customer Service: If working with a recognizable name gives you peace of mind, it’s okay to factor that in. Companies like Highmark offer local service and strong name recognition. Others, like ACE (backed by Chubb), offer financial strength without the everyday brand awareness.

#3. Optional DVH Coverage: If you want to keep your dental, vision, and hearing benefits under one roof, look at companies that offer these add-ons, like Allstate and Highmark. Not all carriers make this easy, so it’s worth checking before you enroll.

Keep Going: You’re Doing Great

If you’ve chosen Medigap over Medicare Advantage – congratulations. That’s not just a smart move; it’s a stable one!

Many people saw the downside of Medicare Advantage during the 2024 Annual Enrollment Period (AEP). Plan changes, provider disruptions, and benefit cuts left millions scrambling.

Some even found that their doctors were suddenly out of network – or that prior authorizations caused care delays.

Meanwhile, Medigap policyholders remained unaffected. There were no network restrictions, prior authorizations, or sudden changes to benefits – just consistent, reliable coverage year after year.

You’ve chosen freedom and predictability. You’re choosing the ability to see any doctor who accepts Medicare, nationwide.

And you’re choosing a plan that works with your Original Medicare benefits, not around them.

Medigap Plan G vs. Plan N: Which One Should I Pick?

Once you’ve decided on a Medicare Supplement provider, the next question is often:

Should I choose Plan G or Plan N?

Medigap Plan G and Plan N both cover key benefits like Medicare Part A coinsurance, hospice care, skilled nursing facility coinsurance, the first 3 pints of blood, and 80% of foreign travel emergency costs.

They also cover Medicare Part B coinsurance, though Plan N requires small copays: up to $20 for doctor visits and $50 for ER (if not admitted).

The main differences between the two are that Plan G covers all Part B coinsurance without copays and includes Part B excess charges, while Plan N does not cover excess charges and has those small copays.

Plan G typically has higher premiums but fewer out-of-pocket costs, whereas Plan N offers lower premiums with slightly more cost-sharing.

Here’s a breakdown showing their differences:

Feature	Plan G	Plan N
Part A deductible	Covered	Covered
Part B deductible ($257 in 2025)	Not covered	Not covered
Part B coinsurance	Covered 100%	Covered, except up to $20 copay for office visits and up to $50 for ER (if not admitted)
Part B excess charges	Covered	Not covered
Office visit copays	None	Up to $20 per visit
ER visit copay	None	Up to $50 (waived if admitted)
Premium (approximate range in PA)	$120–$160/month	$95–$125/month
Ideal for…	Predictable coverage, minimal bills	Cost-conscious shoppers who don’t mind small copays

Real-Life Scenarios: Plan G vs. Plan N

Sometimes the best way to decide is to think about what matters most to you in daily life.

Here are two example profiles to help you see how Plan G and Plan N might suit different people.

Scenario: Mary Selects Plan G for Greater Predictability

Mary is 71, retired, and visits the doctor a few times a year to monitor her blood pressure and cholesterol. She doesn’t want to think about copays or worry about surprise bills.

Mary chooses Plan G because:

• She wants to avoid any bills outside of the $257 annual Part B deductible.
• She values predictability in her healthcare budget.
• She doesn’t want to think twice about whether a provider accepts Medicare assignment (excess charges don’t worry her with Plan G).

Even though Plan G costs about $20 more per month than Plan N, the peace of mind is worth it to Mary. Once she pays her deductible, she knows she’s covered.

Scenario: Tom Chooses Plan N for Cost Savings

Tom is 68, recently retired, and in good health. He only sees his primary care doctor once or twice a year and hasn’t had any major medical needs.

He chooses Plan N because:

• He’s comfortable with a small copay when he sees the doctor.
• He wants to save $20–$30/month on his premium compared to Plan G.
• He only uses providers who accept Medicare assignment, so he’s not concerned about excess charges.

Tom likes the idea of paying less each month and is okay with a few copays here and there. The trade-off makes financial sense to him.

Which Should You Choose?

There’s no one-size-fits-all answer because both plans are excellent. It comes down to your preferences and risk tolerance.

We recommend Plan G if you want the most complete, worry-free coverage available to new Medicare enrollees.

We recommend Plan N if you’re healthy, budget-conscious, and don’t mind small out-of-pocket expenses when you use services.

Still unsure? The best way to decide is to compare quotes and think through how often you use medical services today – and what would give you the most peace of mind tomorrow.

Is Medigap Plan G Better Than Medicare Advantage?

This is one of the most important questions Medicare enrollees face – and also one of the most misunderstood.

On the surface, Medicare Advantage (MA) plans often look appealing. They advertise $0 premiums, include drug coverage, and may even offer extra perks like dental or gym memberships.

But once you dig deeper, the trade-offs become clear – especially when compared to Medigap Plan G.

Let’s look at the major differences.

Medicare Advantage Drawbacks

While Advantage plans are technically Medicare-approved, they operate more like private managed care plans.

And with that structure come real limitations, including:

• Networks: You’re usually required to use a specific network of doctors and hospitals. Going out-of-network often means paying more – or getting no coverage at all.
• Referrals and Prior Authorizations: Many services require pre-approval, and you may need a referral just to see a specialist.
• Annual Changes: Plan networks, copays, and covered services can change every year, forcing you to re-evaluate your coverage during each Annual Enrollment Period.
• Out-of-Pocket Maximum: Even though MA plans have caps, they can still leave you exposed to high costs – up to $9,350 per year in 2025 for in-network services.

For many people, these restrictions lead to unexpected expenses, care delays, and provider access issues, especially when health needs become more complex.

What Makes Medigap Plan G Different?

Plan G, on the other hand, works with Original Medicare, not in place of it. It covers nearly all of Medicare’s out-of-pocket costs (except the small Part B deductible), and it comes without the red tape of Advantage plans.

Here’s what you get with Plan G:

• Nationwide Provider Access: See any doctor or specialist in the country who accepts Medicare – no networks, no referrals.
• No Prior Authorizations: If Medicare covers it, your supplement plan pays – simple as that.
• Stable Coverage: No annual changes to benefits. Your plan remains the same year after year.
• Predictable Costs: After your Part B deductible is met, Plan G pays 100% of approved services, giving you confidence and control over your healthcare budget.

So to answer the question – yes, Medigap Plan G is better than Medicare Advantage.

Plan G is an excellent choice for those who value flexibility, stable benefits, and nationwide care. It’s ideal if you travel often, want easy access to top specialists and hospitals, or want to avoid high out-of-pocket costs with Medicare Advantage.

What’s the Cheapest Medigap Plan I Can Select?

If your top priority is keeping your monthly premium as low as possible, then High-Deductible Plan G (HDG) may be the right fit for you. It offers the same benefits as standard Plan G – but with a very different cost structure.

High-Deductible Plan G covers the exact same services as standard Plan G. The difference is in how and when the plan pays. With HDG, your plan doesn’t start covering your Medicare-approved expenses until you meet an annual deductible of $2,870 in 2025 (Medicare adjusts this amount annually).

Once you’ve paid that deductible out-of-pocket, the plan kicks in and pays 100% of the rest, just like a standard Plan G.

Premium Comparison

Take a look at Aetna’s rates in Pennsylvania for 2025:

• Aetna Standard Plan G: $155.44/month
• Aetna High-Deductible Plan G: $47.15/month

That’s a difference of $108.29/month – or over $1,299 per year in premium savings.

For someone who doesn’t use medical services often and prefers to protect against catastrophic expenses (like hospital stays or surgeries), this can be a smart way to stay covered while minimizing fixed monthly costs.

Who Should Consider High-Deductible G?

HDG isn’t for everyone – but it can be an excellent choice for:

• Healthy individuals with few annual doctor visits
• People who prefer to self-insure the deductible in exchange for a low monthly rate
• Medicare Advantage switchers who want catastrophic protection with no networks or authorizations

Just remember: you’ll be responsible for the first $2,870 in out-of-pocket Medicare-approved costs before your supplement kicks in. If you’re comfortable with that risk (and want the lowest possible monthly premium), HDG is worth considering.

How Do I Enroll in a Medigap Plan in Pennsylvania?

Once you’ve found the right Medicare Supplement plan, enrolling is a straightforward process – and you don’t have to do it alone.

A quick consultation with one of our licensed agents can make all the difference. It can help ensure that your application is submitted accurately and that you get the best value based on your personal situation.

Step 1: Speak With a Licensed Medicare Agent

Your first step is to schedule a phone consultation with a licensed Medicare advisor. During this conversation, the agent will help you:

• Understand your Medicare enrollment status (Are you newly eligible? Retiring soon? Already enrolled and shopping for better value?)
• Review your coverage goals and budget
• Compare available plans in your ZIP code, since premiums and plan availability can vary by region
• Identify whether you qualify for guaranteed issue or if underwriting will be required

This one-on-one review helps match you with the right company and plan based on your needs.

Step 2: Gather Your Information

To apply for a Medigap policy, you’ll need to provide a few basic pieces of information:

• Full name and date of birth
• Medicare claim number (from your red, white, and blue Medicare card)
• Medicare Part A and Part B effective dates
• Preferred billing method (most people use monthly bank draft, but quarterly or annual billing is also available)

Step 3: Submit the Application

Your licensed agent will guide you through the application process. Depending on your eligibility and situation, your application will either be:

• Underwritten (if you’re applying outside of your guaranteed issue window), or
• Processed under guaranteed issue rules (if you’re within your Medigap Open Enrollment Period or losing other coverage)

Applications are usually completed electronically, making the process fast and easy.

Step 4: Wait for Approval

Once your application is submitted, you can expect to receive a decision within 7–10 business days. If underwriting is involved, this may vary slightly, but most applicants receive a quick turnaround.

Once approved, your coverage will begin on the 1st of the next month, or on your chosen effective date.

Can I Use My Medicare Supplement at the Mayo Clinic?

Yes. One of the biggest advantages of a Medicare Supplement (Medigap) plan – including Plan G, Plan N, and High Deductible G – is the freedom to see any provider nationwide who accepts Original Medicare.

That includes world-class specialty centers such as:

• Mayo Clinic
• Cleveland Clinic
• Johns Hopkins Medicine
• MD Anderson Cancer Center
• Massachusetts General Hospital, and many more

There are no networks, no referrals, and no restrictions. If the provider accepts Medicare, your Medigap plan goes with you – whether you’re seeing a local physician or traveling to one of the top-ranked hospitals in the country.

This is especially valuable for people seeking advanced specialty care – whether for cancer treatment, cardiac surgery, rare conditions, or second opinions at leading research hospitals.

Can I Travel With a Medicare Supplement Plan?

Absolutely. One of the most practical (and often overlooked) advantages of Medicare Supplement plans is how well they support your lifestyle, especially if you travel frequently, spend part of the year in another state, or enjoy exploring the world.

Medicare Supplement plans are accepted anywhere in the U.S. that takes Medicare – that’s nearly every hospital and doctor nationwide.

Whether you’re living in Pennsylvania full-time or spending the winter in Florida or Arizona, your coverage goes with you.

There are no networks and no referrals, which means you don’t have to worry about being “out-of-network” like you would with most Medicare Advantage plans.

Most Medicare Supplement plans – including Plan G, Plan N, and High-Deductible Plan G – include a foreign travel emergency benefit. This benefit typically covers 80% of emergency medical care you receive outside the U.S., up to plan limits.

It’s designed for unexpected medical needs abroad and gives peace of mind if you enjoy cruises, international vacations, or visiting family overseas.

Whether you’re:

• A snowbird spending winters in a warmer state
• Traveling the country in an RV
• Frequently flying to visit children, and grandkids, or explore new places

Medigap gives you the freedom to get care wherever you are, without worrying about coverage gaps or approval processes.

Bottom Line

If you’re looking for a Medicare Supplement plan in Pennsylvania, your decision often boils down to cost, convenience, or brand trust.

Medigap Plan G is the most comprehensive option for new enrollees. It covers nearly all Medicare-approved out-of-pocket costs except the small Part B deductible. It’s perfect for those seeking full, predictable coverage with minimal surprise bills.

Plan N offers lower premiums but has small copays and doesn’t cover excess charges, making it a great choice for healthy individuals comfortable with occasional out-of-pocket expenses.

In Pennsylvania, Allstate Health Solutions stands out with competitive Plan G pricing, optional dental, vision, and hearing (DVH) coverage, and strong brand reliability. ACE (Chubb) is ideal for budget-conscious shoppers who don’t need extra benefits, while Highmark appeals to those prioritizing local support and brand trust, despite higher premiums.

Aetna provides a wide range of plans but at higher costs, while American Home Life offers competitive Plan N pricing but lacks DVH options.

The best plan depends on your healthcare needs, budget, and whether you want extras like DVH.

Remember, Medigap plans are standardized, so a lower premium for the same plan means better value – potentially saving you thousands over time.

Frequently Asked Questions (FAQs)

What Medigap plan do most people choose?

The most popular plan for new Medicare enrollees is Plan G. It offers near-complete coverage, with only the Medicare Part B deductible as your out-of-pocket responsibility. For those eligible before 2020, Plan F still has a large share of enrollment, though it’s no longer available to new beneficiaries.

What is the downside to Medigap?

The primary downside is the monthly premium cost. Medigap plans typically cost more than Medicare Advantage plans, especially if you rarely use medical services. However, many people find that the predictability, provider freedom, and nationwide access outweigh the higher premium.

Why are people dropping Medicare Advantage plans?

Many Medicare Advantage members experience restricted networks, denied prior authorizations, or annual plan changes that affect their coverage or providers. During the 2024 AEP, disruptions and dropped doctors led many people to switch back to Original Medicare with a Medigap plan for stability and peace of mind.

What is the average monthly cost of a Medigap plan?

In Pennsylvania, 2025 Plan G premiums range from around $123 to over $230/month, depending on the company. Plan N typically costs $95 to $125/month, while High-Deductible Plan G is available for as low as $47/month. The exact price depends on your ZIP code, age, gender, and household discounts.

Is Medigap Plan F or G better?

If you’re eligible for Plan F, it offers slightly more coverage, but usually at a higher premium. For everyone else, Plan G is the best available plan – and it often ends up being more cost-effective overall, even after you pay the small Part B deductible.

Why was Medigap Plan F phased out?

Plan F was phased out for new enrollees after January 1, 2020, because it covered the Medicare Part B deductible. Congress wanted all Medicare beneficiaries to have some cost-sharing to discourage the overuse of services. Anyone eligible for Medicare before that date can still enroll in or keep Plan F.

Do all doctors accept Medicare Supplement Plan G?

Yes – as long as the provider accepts Medicare. Medigap Plan G works with Original Medicare, so there are no networks. You can see any doctor or hospital in the U.S. that takes Medicare – and that includes nearly all major health systems and specialists.

Can I travel with a Medicare Supplement plan?

Absolutely. Medigap plans offer nationwide coverage and are ideal for snowbirds, RV travelers, and frequent flyers. Many plans, including Plan G and Plan N, also include a foreign travel emergency benefit for added protection abroad.