What Are the Best Medicare Supplement Plans in Pennsylvania?
Capital BlueCross has the best Medicare Supplement plans in Pennsylvania because of its cheap rates and good service.
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Cigna is a good option for a cheap Plan N, but the company's customer service isn't as good as other options. If you want added perks, AARP/UnitedHealthcare is a great choice.
What's the best Medicare Supplement company in Pennsylvania?
Capital BlueCross is the best Medicare Supplement company in Pennsylvania.
The company has the cheapest Plan G in Pennsylvania, with an average rate of $124 per month. Capital BlueCross also has excellent customer service, with very few complaints.
Top Medicare Supplement companies in Pennsylvania
Company |
Customer satisfaction (out of 5)
| Plan G monthly rate | |
|---|---|---|---|
| Capital BlueCross | 5.0 | $124 | |
| Highmark BCBS | 4.0 | $138 |
| AARP/UHC | 4.0 | $151 |
| Aetna | 4.0 | $153 |
| Cigna | 3.0 | $134 |
All rates are for a 65-year-old female nonsmoker.
Medigap plans with the same letter have the same coverage, no matter what company you buy a plan from. When shopping for a Medigap policy, compare price, customer service and added benefits.
Best Medicare Supplement in PA: Capital BlueCross
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Editor rating
- Plan N: $101
- Plan A: $111
- Plan B: $121
- Plan D: $123
- Plan G: $124
- Plan C: $154
- Plan F: $156
Capital BlueCross has the cheapest Plan G of any major Medigap company in PA.
Plan G from Capital BlueCross costs $124 per month. That's $28 cheaper each month than the state average of $152. Because Medicare Supplement plans with the same letter give you the same coverage no matter what company you pick, it makes sense to choose a cheap company.
Capital BlueCross also has excellent customer service. The company gets very few complaints about its Medicare Supplement plans. Picking a company with good customer service means you're more likely to have a good experience if you have questions or concerns about your plan.
While Capital BlueCross doesn't have the cheapest rates for Plan N — that honor goes to Cigna — its rates are below average. On average, Plan N from Capital BlueCross costs $101 per month. That's $13 cheaper each month than the state average of $114. And because Capital BlueCross has such good service, it might make sense to pay more for a plan if you can afford it.
Cheapest Plan N in PA: Cigna
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Editor rating
- *Plan G: $47
- Plan N: $89
- Plan A: $122
- Plan B: $125
- Plan G: $134
- Plan F: $159
*High-deductible plan
Cigna is a good option if you're on a budget but still want good coverage.
That's because Cigna has the cheapest Plan N of the major Medigap companies in Pennsylvania. The average cost of Plan N from Cigna is $89 per month, which is much less than the state average of $114 per month.
But Cigna's customer service isn't as good as some other companies in Pennsylvania. While the company only gets an average number of complaints about its Medigap plans, that's still more than companies like Capital BlueCross, AARP/UnitedHealthcare, Highmark and Aetna.
If you want a cheap Plan N but are looking for a company with better service, consider Capital BlueCross or Aetna. [/panel]
Best extra benefits: AARP/UnitedHealthcare (AARP/UHC)
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Editor rating
- Plan K: $59
- Plan L: $104
- Plan N: $115
- Plan A: $116
- Plan B: $149
- Plan G: $151
- Plan F: $199
- Plan C: $204
AARP/UnitedHealthcare Medigap plans comes with helpful extra perks.
That's because you have to join AARP to get a Medigap plan from the company. A membership costs $16 per year and gives you access to all of AARP's perks, including discounts on hearing and vision care.
AARP/UnitedHealthcare also has good customer service. The company gets about half the number of complaints about its Medicare Supplement plans expected for an average company its size.
But AARP/UnitedHealthcare doesn't have the cheapest rates. While its plans aren't expensive, they're not as cheap as plans from Capital BlueCross or Cigna. If the perks outweigh the added cost, AARP/UHC might be a good option. But if you don't think you'll get much use out of an AARP membership, choosing a cheaper company is probably better.
How much does a Medigap plan cost in Pennsylvania?
Medicare Supplement plans in Pennsylvania cost between $49 and $199 per month, on average.
The most popular plans are F, G and N, which cost between $114 and $190 per month, on average.
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Pennsylvania Medigap plans
Medigap plan | Monthly cost | Popularity in Pennsylvania (enrollment %) |
|---|---|---|
| Plan G | $152 | 33% |
| Plan F | $190 | 30% |
| Plan N | $114 | 15% |
| Plan C | $199 | 10% |
| Plan B | $147 | 5% |
Enrollment percentages for Plans F and G include the high-deductible versions. Rates are based on a 65-year-old woman who does not smoke. An * indicates a high-deductible plan.
Plan G is the most popular plan in Pennsylvania, making up a third of all Medigap plans in the state. Plan F is also a popular choice, but you can only buy it if you were eligible for Medicare before Jan. 1, 2020. If you can get Plan F, it's the best option for good coverage.
But if you got Medicare during or after 2020, Plans G and N are the best options. Both offer high levels of coverage. Plan G covers everything that Plan F does with the exception of your Part B deductible, which costs $257 per year.
Pennsylvania is one of a handful of states that require all Medigap companies to offer coverage to people who get Medicare below the age of 65. You might be able to get Medicare before you turn 65 if you have a disability, kidney failure (end-stage renal disease) or Lou Gehrig's disease (ALS). If you qualify for Medicare Parts A and B, even if you're not 65, you'll be able to buy a Medicare Supplement plan in Pennsylvania.
Frequently asked questions
What is the best Medicare Supplement plan in PA?
Medigap Plan G is the best plan for most people because it gives you the best coverage. If you were eligible for Medicare before 2020, though, Plan F has better coverage. And you could consider Plan N if affordable monthly rates are a high priority for you.
How much does Medigap insurance cost in PA?
Medicare Supplement plans cost between $49 and $199 per month in Pennsylvania, on average. Rates depend on your age, the plan you choose and the company you pick. Plan G, the most popular plan in PA, costs $152 per month, on average.
What are the best Medicare Supplement companies in PA?
Capital BlueCross has the best overall Medicare Supplement plans in PA because of its cheap rates and excellent service. If you want Plan N at a low rate, though, Cigna is the best option. And AARP/UnitedHealthcare is a good option for lots of extra perks.
Sources and methodology
ValuePenguin used actuarial data from private insurance companies to get Pennsylvania Medigap rates for 2025. Rates are for a 65-year-old woman who does not smoke and who bought her policy when she was first eligible. Companies with a Medigap market share below 1.8% in Pennsylvania were excluded from the rate analysis. Colonial Penn was not included because rate data is not available in PA.
America's Health Insurance Plans (AHIP) provided the enrollment numbers used to determine the most popular plans in PA. Info about customer complaints is from the National Association of Insurance Commissioners (NAIC).
NAIC data was used to create a score for each Pennsylvania Medigap provider, with a score of five signaling a low level of complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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