Did you know that more than 161,000 people in Erie, PA, 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.

Supplemental 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 to choose from, more than twice as many that were 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’s 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 all of the Part A deductible and coinsurance, Part B copays, and several other expenses. Monthly premiums range from $79.05 to $292.00.

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

Cheapest Medicare Part D in Erie, PA

Medigap and Medicare Supplements do not 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 in Erie, PA

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 is, 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 a premium. 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 Part A and B in a single, comprehensive plan. When Parts A, B, and D (prescription drugs) are all included, the plan is sometimes called a Part C plan. Medicare Advantage usually requires that you see a provider in their network.

Medicare Supplements do not cover Medicare Part A, B, or 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 every year 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 applies for Social Security or Railroad retirement or disability benefits is automatically enrolled in Medicare at the same time. Once approved, they will automatically get Part A coverage as soon as they turn 65 (or immediately, if already 65).

How to Sign Up for Supplemental Medicare in Erie, Pennsylvania

When you are ready to enroll in Medicare Advantage, Medigap, or Medicare Part D, our licensed agents are prepared to assist you. We work with all carriers and compare all plans to find which one is best suited for your needs—and our services are entirely free of charge. Call today or complete our online form to request rates and more information.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.