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.
The average cost of Medicare Advantage plans in Erie, Pennsylvania
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.
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Medicare Supplement plans
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.
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 monthly.
The average cost of Medicare Supplement plans in Erie, Pennsylvania
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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.
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.
The average cost of Medicare Part D plans in Erie, Pennsylvania
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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.
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 accepting 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.
The average cost of Medicare Special Needs plans in Erie, Pennsylvania
How to sign up for Medicare plans 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.