Philadelphia Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Philadelphia County
Medicare Supplement insurance costs in Philadelphia, Pennsylvania vary significantly from one carrier to the next — even for identical coverage. Philadelphia County residents turning 65 have access to dozens of Medigap carriers, and the premium spread between the lowest and highest priced plan can be substantial. Shopping and comparing rates before you enroll is one of the most important steps you can take to protect your retirement budget.
Compare Rates with a Philadelphia Medicare Agent
Independent Medicare agents serving Philadelphia County are licensed to represent multiple Medigap carriers, which means they can shop the market on your behalf and present side-by-side comparisons at no cost to you. Working with a local agent who knows the Pennsylvania market can help you find the right coverage at the right price.
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Estimated Plan G Medigap Rates — Philadelphia, Pennsylvania (Zip 19101)
Estimated based on available 2018 Plan F market data converted to approximate Plan G equivalents (Plan G is typically 8–12% less than Plan F). Actual current rates will vary. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $130.97 | $411.98 | 214.6% |
| Male, Age 65 (non-smoker) | $150.47 | $411.98 | 173.8% |
3 Questions to Ask Before You Buy a Medigap Plan in Philadelphia
Does the agent represent multiple carriers, or just one?
Some agents are captive to a single insurance company, while independent brokers can quote plans from many carriers. In Philadelphia County, where the premium spread between the lowest and highest carrier can exceed 200%, working with an agent who can compare multiple companies side by side gives you a significant advantage. Always ask: "How many Medicare Supplement carriers are you appointed to sell?"
What is the carrier's history of rate increases in Pennsylvania?
The lowest premium today does not guarantee the lowest cost over time. Medigap insurers file rate increases with the Pennsylvania Insurance Department, and some carriers have a track record of larger or more frequent increases than others. Ask your agent to share recent rate history for any company you are considering. A knowledgeable agent will provide this information readily.
Is my Medigap policy guaranteed renewable in Pennsylvania?
Under Pennsylvania law and federal Medigap regulations, your Medicare Supplement policy is guaranteed renewable as long as you pay your premiums on time — an insurer cannot cancel your coverage because you develop a health condition. The Pennsylvania Insurance Department (insurance.pa.gov) regulates Medigap carriers in the state and is a resource if you have complaints or need to verify a carrier's license. During your Open Enrollment Period (the six months starting when you are both age 65 and enrolled in Medicare Part B), insurers cannot use medical underwriting, making it the ideal time to shop and lock in coverage.