Pennsylvania Medicare Insurance Plans
Medicare Supplement Insurance (Medigap) Policies
Pennsylvania has a requirement by law for insurers to sell Medicare Supplement Insurance policies to people under the age of 65.
Mini-COBRA Policies (Small Group)
Pennsylvania does mandate insurance continuation coverage for small employers (those with two to 19 employees).
Medicare Savings Program In Pennsylvania
Pennsylvania has four Medicare Savings Programs based on need.
The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 or couples with a monthly income under $1,355 the state pays all premiums for Medicare Part B and all copays and deductibles for Medicare Parts A and B.
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 per month or couples with monthly income under $1,622 the state pays premiums for Medicare Part B only.
- Qualified Individuals (QI): For individuals with a monthly income under $1,357 or couples with monthly income under $1,823 the state pays premiums for Medicare Part B only.
*Data from Medicare.gov
**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
State Health Insurance Assistance Program (SHIP)
The state of Pennsylvania’s SHIP Program (APPRISE) is available to help you understand your Medicare benefits. APPRISE is a confidential and personal Medicare beneficiary counseling service available to older Pennsylvanians.
APPRISE provides education, counseling, and information concerning:
- Medicare Parts A and B (Original Medicare) as well as Part C (Medicare Advantage Plans)
- Medicare Part D (Medicare Prescription Drug Plans)
- Medicare Supplement Insurance (or Medigap)
- Prescription assistance programs
- Long-term care and payment options
- People with Medicare and the Health Insurance Marketplace
- Low-income assistance and other programs for seniors
APPRISE advocates on your behalf with claim questions and disputes through its specially trained staff and volunteers. Pennsylvania SHIP receives its funding in part by a grant from the Centers for Medicare and Medicaid Services (CMS).
Low-Income Subsidy (Extra Help) for Prescription Drugs
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).
Pennsylvania residents should consult with one of our MedicareSolutions.com licensed sales agents for personal assistance specific to your area. One of our licensed sales agents can compare Pennsylvania Medicare insurance plans and can also help you locate the Medicare insurance benefits most aligned to your needs.