Did you know that over 161,000 people in Erie, Pennsylvania, are covered by Medicare Part A and Part B? More than 47% are also enrolled in a Medicare Advantage program. We will review the supplemental plans available to Medicare recipients.

Medicare plans in Erie, Pennsylvania

Medicare beneficiaries in Pennsylvania can choose how they receive Medicare benefits. One of their options is Medicare Advantage.

Average Medicare Advantage plans in Erie, Pennsylvania

Of the 161,021 Medicare beneficiaries in Erie, 75,916 are enrolled in Pennsylvania Medicare Advantage plans. In 2022, the average Medicare beneficiary has 39 Medicare Advantage options, more than twice as many available in 2017.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $5,900 HMO-POS 4
Highmark $0 $7,550 HMO 4
UnitedHealthcare $0 $5,550 HMO 4
Wellcare $0 $6,700 LOCAL PPO N/A
Humana $0 $6,700 PFFS 4

UnitedHealthcare Medicare Advantage plan is an HMO with a four-star rating. The annual premium is zero. The maximum out-of-pocket (MOOP) rate is $5,550 per year.

Aetna’s Medicare Advantage plan is an HMO-POS plan with a zero-dollar premium. The MOOP rate is $5,900. Their plan is rated four stars.

Humana’s Medicare Advantage plan is a Private Fee for Service (PFFS) plan with a four-star rating. The yearly MOOP rate is $6,700. The premium for the Humana plan is also zero.

Affordable Medicare Supplement plans in Erie, PA

Pennsylvania Medigap or Medicare Supplement plans pay a substantial portion of the expenses not covered by Medicare, such as deductibles and coinsurance. Some of the best Medigap or Medicare Supplement plans are Plan G, Plan N, and Plan F.

PLAN A $60.22 $237.01
PLAN B $102.48 $264.25
PLAN C $128.62 $355.00
PLAN D $109.49 $213.95
PLAN F $116.35 $356.12
PLAN HDF $32.00 $136.65
PLAN G $103.15 $342.37
PLAN HDG $32.00 $71.58
PLAN K $42.98 $108.62
PLAN L $67.58 $199.72
PLAN M $76.53 $218.93
PLAN N $79.05 $292.02

Medigap Plan G pays all of the Part A deductible and coinsurance, the Part B coinsurance, and several other expenses. Plan G premiums range from $103.15 to $342.37 per month.

Medigap Plan N pays the Part A deductible and coinsurance, Part B copays, and other expenses. Monthly premiums range from $79.05 to $292.00.

Medigap Plan F covers almost everything that Medicare does not. Plan F’s monthly premiums range from $116.35 to $356.12 per month.

Cheapest Medicare Part D prescription drug plan

Medigap and Medicare Supplements don’t cover Medicare Part D in Pennsylvania. Most Medicare plans have a coverage gap, or “donut hole,” so many people shop for a Part D plan. Popular Part D providers in Erie, PA, include Aetna, Wellcare, and Humana.

Aetna $7.20 $480.00 3
Wellcare $12.90 $480.00 3
Clear Spring Health $18.20 $480.00 2
Elixir $20.30 $480.00 3
Humana $22.70 $480.00 4

With a three-star rating, Aetna’s Medicare Part D insurance has a $480 annual deductible and $7.20 monthly premium.

Wellcare has also rated three stars and has a $480 deductible. Their monthly premium is $12.90.

Humana charges a $22.70 monthly premium, sets a $480 annual deductible and has a four-star rating.

Medicare Special Needs plans

Medicare Special Needs Plans (SNPs) are Medicare Advantage plans limited to people with chronic illnesses or disabilities. They are not available in all areas. Erie, PA, is fortunate to have several insurance companies offering Medicare SNPs.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 LOCAL PPO Dual
UPMC $0 $3,400 HMO Dual
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Highmark $0 $3,450 HMO Dual

The UPMC Medicare SNP is an HMO with zero annual premium. The MOOP rate is $3,400 per year. They accept dual eligibility—that’s enrollment by people eligible for both Medicare and Medicaid.

Humana’s Medicare SNP plan is a local PPO that also accepts dual eligibility. The annual premium is zero, and the MOOP rate is $3,450.

Aetna offers a Medicare SNP that accepts dual eligibility and charges zero premiums. This HMO plan has a MOOP rate of $7,550.


How much is a Medicare Supplement per month in Erie, PA?

Pennsylvania Medigap policy premiums average $145-$220. All insurance companies offer the same benefits for each letter plan, but rates vary by company, so be sure to compare.

What is the difference between Medicare Supplement and Advantage plans in Erie, Pennsylvania?

Medicare Advantage plans combine Medicare Parts A, B, and sometimes D in a single, comprehensive plan, and usually requires that you see a provider in their network.

Medicare Supplements don’t cover Medicare Part D. Still, they cover the out-of-pocket expense that the Medicare beneficiary may incur based on the chosen plan. Drug, vision, dental, and hearing coverage must be bought separately. Medicare Supplements let you see any doctor or hospital accepting Medicare.

Can you change Medicare Supplement plans anytime in Erie, Pennsylvania?

You can change your Medigap or Medicare Supplement insurance plan at any time. If you have a guaranteed issue right, you can even avoid going through medical underwriting.

Do you have to renew your Medicare Supplement annually in Erie, Pennsylvania?

Medigap and Medicare Supplement policies are guaranteed renewable. They automatically renew each year as long as the premium is paid.

Are you automatically enrolled in Medicare when you turn 65 in Erie, Pennsylvania?

An Erie resident who’s drawing Social Security, Railroad retirement, or disability benefits automatically be enrolled when they turn 65. If you’re not drawing these benefits you’ll want to apply for Medicare three months before your 65th birth month.

How to Sign Up for Supplemental Medicare in Erie, Pennsylvania

Our licensed agents are prepared to assist you with enrollment in Medicare Advantage, Medigap, or Medicare Part D. We work with all carriers and compare all plans to find which program best suits your needs—and our services are free of charge. Call today or complete our online form to request rates and more information.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.