Medicare Plans in Lancaster, PA

Free Plan Comparison Compare Quotes From Top Companies and Save

Medicare supplement plans (also known as “Medigap”) are a totally different concept than the Medicare Advantage plans familiar to you. In a Medicare supplement plan, Original Medicare continues to be your primary provider of Medicare-covered medical services, and the supplemental plan fills in most “gaps” not paid for by Original Medicare (Parts A and B).

Here we will cover the most popular Medicare plans in Lancaster, Pennsylvania.

Medicare Supplement Plan F

Medigap Plan F, sometimes called Medicare Supplement Plan F, is the most comprehensive Medigap plan offered. It covers almost all your Medicare Part A and Part B costs so that you owe very little money out-of-pocket for healthcare services.

Medigap Plan F may a good option if you:

  • require frequent medical care and visit the doctor often
  • require financial assistance with nursing care or hospice care
  • travel out of the country often but don’t have traveler’s health insurance
  • Need coverage for what Original Medicare doesn’t cover

Searching for a Lancaster Medicare Supplement Plan can seem overwhelming and often confusing. Lancaster, Pennsylvania is a great area to live in because Medicare Supplement Prices are fairly lower than many other states throughout the country. The three most popular Medicare Supplement Plans are Medicare Supplement Plan F, Medicare Supplement Plan G, and Supplement Plan N.

Plan G is the policy most recommended today due to its comprehensive coverage at a medium price. Many companies will recommend the Medigap Plan F, although most of the time it will end up costing more money in the long run as compared with the Plan G.

Medicare Supplement Plan F Cost in Lancaster, PA

Medicare Supplement Insurance is also called Medigap. Both terms are used to mean the same exact thing. many senior citizens do not know that Medigap Plans are regulated and designed by Medicare directly, so there is no variance in coverage between different insurance companies, the ONLY difference is the price you pay.

It is a very good idea to shop around different prices and companies before you make a decision on which company/plan you purchase. You can compare rates directly on our website, or give us a call and speak with a licensed and knowledgeable Medicare specialist.

What is the Best Medigap Plan F in Lancaster?

The Medicare Supplement insurance plans in Lancaster are standardized, so the plan options are the same no matter which insurance company sells them. Insurers differ in terms of price and reliability. You should look for the following features when shopping for a policy:

  • In terms of customer service, how does the insurer rank?
  • Is there enough cash on hand to pay for your claim?
  • Is the company large enough to ensure long-term stability?

Medicare Supplement Plan G

Medigap Plan G covers everything that Medicare Part A and B cover at 100% except for the Part B deductible. This means that you won’t pay anything out-of-pocket for covered services and treatments after you pay the deductible.

What does Medicare Supplement Plan G cover?

Original Medicare covers a lot of your healthcare costs. The additional Medicare benefits that are covered by Medicare Supplement Plan G in Lancaster are in addition to the Medicare-approved amounts that are covered by the Federal Medicare program.

Plan G will cover:

  • Initial pints of blood
  • Medicare Part A deductible
  • Medicare Part A hospital costs
  • Part A expenses
  • Part A hospice care coinsurance
  • Skilled nursing facility care

What is the Plan G deductible in 2024?

Medicare Supplement insurance Plan G in Lancaster does have a deductible of $226 for the year in 2024. After this amount is paid the plan pays out 100%. 

What does Medicare Supplement Plan G Cost in Lancaster, PA?

The cost of Plan G varies widely depending on where you live, there are many Medicare plans available in the Lancaster area. There are also differences in costs for men and women in many states, and for smokers and vape users.

In 2024, Plan G’s costs range from $99 per month to $509 per month.  According to a price analysis conducted by the American Association for Medicare Supplement Insurance in February 2021.

Medicare Supplement (Medigap) Plan N in Lancaster

Another option that is getting popular for a Medicare Supplement Plan in Lancaster, Pennsylvania is the Medicare Supplement Plan N.  

Plan N is the lowest cost of the three Medigap plans that we have discussed, and if you have relatively low usage (doctor visits, Plan N could be a great fit for a Medicare Supplemental Plan in Pennsylvania.

The Medigap Plan N has a copay for the doctor and emergency room visits, also like the Plan G it does not cover the Medicare Part B deductible.

Plan N also does not cover the Part B excess charges, this could be an issue in Lancaster.  Pennsylvania is not one of the eight states that do not allow the Part B excess charges.  This is known as the M.O.M. law or Medicare Overcharge Measure.  

Medicare Supplement Plan N

If you only have a few doctor’s appointments per year and you pay attention to your Doctors being assigned by Medicare to eliminate any Part B Excess charges then the Medicare Supplement Plan N is a very attractive choice for your Medicare Supplement in Lancaster, PA.

Medicare Plan N Cost

The monthly premium for Medicare Part B will still be applicable, in addition to the monthly Plan N premium.

Although the coverage that Plan N offers is standard, the prices can vary widely from one area of the United States to another. Costs can also vary between the companies that provide the plans.

A person will also need to pay the Part B yearly deductible, which is $226 in 2024.

When can I enroll in Medicare Supplement Insurance Plan?

Unlike Medicare Advantage and Part D plans, Medicare Supplement plans have no annual enrollment period. You can apply for a Medigap Plan in Lancaster, PA at any time. Depending on when you enroll, however, different rules apply.

Open Enrollment Period

The best time to apply for Plan G is during your Open Enrollment Period:

  • OEP starts when you are 65 and enrolled in Part B Medicare
  • Lasts six months
  • Offers guaranteed rights: insurers cannot reject your application, require medical underwriting, or charge more for pre-existing conditions

Special Open Enrollment

You have guaranteed-issue rights in other situations outside of your OEP, including when:

  • You leave the plan’s service area
  • You lose group health insurance
  • The insurer discontinues Plan G
  • You lose a Medicare Advantage plan
  • A disabled Medicare beneficiary turns 65
  • If you apply outside of your OEP and don’t qualify for special enrollment, Medicare Supplement insurance companies can require underwriting and charge higher premiums. Our insurance agency can help determine whether you meet the qualifications for special enrollment.

What is the Best Medicare Supplement Plan in Lancaster?

The Medicare Supplement insurance plans are standardized, so the plan options are the same no matter which insurance company sells them. Insurers differ in terms of price and reliability. You should look for the following features when shopping for a policy:

  • In terms of customer service, how does the insurer rank?
  • Is there enough cash on hand to pay for your claim?
  • Is the company large enough to ensure long-term stability?

Our Company Recommendations

In Lancaster, about 70 private insurance companies offer supplemental insurance plans. Due to their excellent service, high ratings, and financial strength, we prefer these three:

  • Aetna (A)
  • Mutual of Omaha (A+)
  • Cigna (A) not allowed

Next Steps

Plan G provides top coverage for preventive care, emergency care, and chronic conditions. You should consider it as a supplement to your Medicare coverage. Call us directly at (877) 238-6964 for a free quote comparison.

Medicare Advantage Plan Options and Costs

Medicare Advantage plans are a type of health insurance that combines the benefits of Medicare Part A with those of Medicare Part B . The plans offer you access to doctors, hospitals, prescription drug coverage, and other services generally through an HMO or PPO plan. You can choose from among several different types of Medicare Advantage plans. 

Preferred provider organization plans – These plans generally have fewer restrictions than traditional fee-for-service plans. However, they usually require you to use certain providers for your primary care needs.

Health maintenance organizations – These plans typically limit their network of providers. They often require you to see a doctor who is part of the plan’s network before seeing another one.

Private Fee-for-Service (PFFS). PFFS plans allow you to receive services from any provider who accepts the terms and conditions of your PFFS plan.

Special Needs Plans (SNPs). People with chronic diseases can take advantage of SNPs if they need long-term medical care.

Medicare savings account (MSA). Medical Savings Accounts combine a high-deductible health plan with a medical savings account into which Medicare deposits funds for medical expenses.

There are many different options available in Lancaster, PA. Call us at (877) 238-6964 for a free plan comparison.

Best Lancaster Medicare Advantage Plans in 2024

In 2022, all Medicare Advantage plans must provide the same level of benefits as traditional Medicare. This includes hospitalization, skilled nursing facility stays, home health visits, hospice care, durable medical equipment, and more.

Because Medicare Advantage plans change each year it is a good idea to compare plans to make sure you are getting the best benefits available to you. Call us at (877) 238-6964 to review plans today. 

Medicare Advantage Eligibility Requirements

You must be enrolled in Original Medicare Parts A and B, also known as Traditional Medicare, to enroll in a Medicare Advantage plan. If you aren't already enrolled in Original Medicare, you will first need to apply for enrollment. Once you are approved, you can then select a plan.

Finding the Right Medicare Advantage Plan in Lancaster, PA

What's Included in a Medicare Advantage Plan?

A Medicare Advantage Plan offers you access to all the same benefits as Original Medicare, including hospitalization, skilled nursing facility care, home health care, hospice care, durable medical equipment, and more. In addition, it may provide you with access to additional benefits like vision, dental, hearing, and pharmacy coverage.

How Much Does It Cost?

In general, Medicare Advantage costs less than Original Medicare because you can limit out-of-pocket for most of your medical bills. This means you can save money on premiums, deductibles, co-pays, and coinsurance.

However, there are some exceptions. For example, you might not be able to get a plan that covers chiropractors or physical therapists unless you live in a rural area. 

To find out how much a Medicare Advantage plan would cost in your area, call our office today at (877) 238-6964 to speak with a member of our team.

More Information About Lancaster

Lancaster, also known as the Red Rose City is a city in South Central Pennsylvania, that serves as the seat of Pennsylvania's Lancaster County and is one of the oldest inland towns in the United States. With a population at the 2010 census of 59,322, it ranks eighth in population among Pennsylvania's cities.

Map of Lancaster

Lancaster Map

Things to do in Lancaster

Things to do in Lancaster, PA 

Zip Codes in Lancaster

17601, 17602, 17603, 17604, 17605, 17606, 17607, 17608, 17622, 17699