Pennsylvania Medicare Insurance Plans

Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Pennsylvania.

Medicare Supplement Insurance (Medigap) Policies

The state flag of Pennsylvania | Pennsylvania Medicare Insurance Plans

Pennsylvania does require insurance companies to sell Medicare Supplement Insurance policies to people under the age of 65.  You can find more details on Medigap policies in the Outreach and Education training workbook at CMS.gov.

Mini-COBRA Policies (Small Group)

Pennsylvania does not have a law that replicates COBRA for businesses with fewer than 20 full time employees.  Learn more about COBRA and mini-COBRA here.

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.
  • *Qualified Disabled and Working Individuals (QDWIs) – For individuals with a monthly income under $4,045 or couples with a monthly income under $5,425.

*Data from Medicare.gov

According to 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 focuses on providing high quality service and meeting the Long Term Care policy commitments to their policyholders.  SHIP operates without a profit motive. Find more information on SHIP here.

 

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 can 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 Medicare insurance plans and can also help you locate the Medicare insurance benefits most aligned to your needs.