Nearly 2.8 million folks in Pennsylvania are signed up for Medicare, making it the fifth-largest U.S. state for Medicare beneficiaries.
Medicare is the federal government well being care program for folks ages 65 and older. Medicare Advantage is a bundled different to Medicare that provides all the identical advantages and normally some extras, equivalent to price financial savings on dental and imaginative and prescient protection.
Medicare Advantage plans supply extra advantages than Original Medicare, and they are often cheaper than paying for Medicare and a Medicare Supplement plan. However, they provide much less flexibility because you’ll have to get care from throughout the plan’s community of suppliers. Weigh your choices to find out which plan most closely fits your wants.
What to learn about Medicare in Pennsylvania
About 1 in 5 folks in Pennsylvania are 65 and older, and the state affords a wide range of Medicare and Medicare Advantage plans.
The common month-to-month premium in 2022 for a Medicare Advantage plan in Pennsylvania is $32.79. (It was $38.72 in 2021.)
There are 240 Medicare Advantage plans obtainable in Pennsylvania in 2022. (This is down from 244 plans in 2021.)
All Medicare-eligible folks in Pennsylvania have entry to a $0-premium Medicare Advantage plan.
Medicare Advantage suppliers in Pennsylvania
Top-rated Medicare Advantage plans in PA
Each yr, the Centers for Medicare & Medicaid Services, or CMS, awards each Medicare Advantage plan a star ranking on a scale of 1 to five, with 5 being a top-rated plan. Below are plans that obtained high marks in Pennsylvania for the 2022 plan yr. (Check out extra details about Medicare star rankings.)
The plans under are rated 5 stars out of 5 by the CMS:
The plans under are rated 4.5 stars out of 5 by the CMS:
This listing doesn’t embrace particular wants plans, which limit membership to folks with sure illnesses or traits, equivalent to having a power sickness or dwelling in a nursing dwelling.
How to decide on a Medicare Advantage plan
It’s essential to ask just a few questions as you’re searching for the appropriate plan. Here’s a fast guidelines that can assist you take into account your choices:
How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance might be? Can you afford them?
Is your physician in-network? If you will have a most popular physician (or medical doctors) or hospital, make certain they take part in the plan’s community.
Are your prescriptions lined? If you’re on medicine, perceive how the plan covers it. What tier are your prescribed drugs on, and are there any protection guidelines that apply to them?
Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?
Are there extras? Does the plan supply any further perks, equivalent to health memberships, transportation advantages or meal supply?
Medicare Advantage suppliers
Get extra data under about a few of the main Medicare Advantage suppliers. These insurers supply plans in most states. The plans you may select from will rely in your ZIP code and county.
If you will have further questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).