In Pennsylvania residents have many options when selecting a Medicare plan. Medicare supplement plans such as Plan F, Plan G or Plan N are offered by many different insurance carriers. Each insurance carrier will offer different premium rates for the same standardized plan. During your open enrollment or first time into Medicare you have guaranteed issue rights enrolling in a Medicare supplement plan in PA. You are not required to answer qualifying health questions. But after your Part B of Medicare goes effective for the first 6 months, the guarantee issue rights go away. So after 6 months on Part B you will be fully underwritten (Asked qualifying health questions). During your open enrollment period or the first time going into Medicare, it is important to make the best decision for your needs.
When selecting a Medicare Advantage plan with Part D prescription coverage in PA, there are many different options to choose from. The HMO plans only have in network benefits. The PPO plans have out of network benefits. There are certain Medicare Advantage plans with a $0 monthly premium. As well as plans that may have a monthly premium. You must continue to pay your Part B premium and be enrolled in Part A and Part B to qualify for a plan. The Medicare Advantage plans offered in PA go according to your zip code, county or service area. Residents that live in Bucks County, Berks County, Northampton County, Luzerne County, may have different plan options than someone living in Chester county, Allegheny County or Lehigh County.
Residents in Pennsylvania with Medicare and Medicaid benefits may qualify for a Dual Special Needs plan. These Medicare Advantage plans come with Medicaid benefits. Availability of these plans go by your zip code, county or service area where you reside.
Stand Alone Part D prescription drug plans for residents in PA are offered throughout the entire state. The state of PA, Part D extra help program is called PACE
Or Program of All Inclusive Care for the Elderly. To enroll in this program you must be currently enrolled in a Part D plan and show income less than $14,500 for an individual or $17,700 per couple. For PACENET show income less than $27,500 for an individual or $35,500 per couple.