About 41% of the 720,000 Philadelphians currently enrolled in Medicare Parts A and B are also enrolled in a Medicare Advantage plan. This article will review the Philadelphia, Pennsylvania, Medicare plans available to Medicare recipients.
Medicare plans in Philadelphia, Pennsylvania
Although Medicare beneficiaries all receive the same Original Medicare benefits, they can choose how they receive them. One option is to add a Medicare Advantage plan.
Medicare Advantage plans
Medicare beneficiaries have an average of 39 Medicare Advantage options in 2024, more than twice as many as they had in 2017.
United Healthcare offers a Pennsylvania Medicare Advantage HMO plan with an annual premium of zero. The maximum out-of-pocket (MOOP) is $5,550 annually. The plan has a four-star rating.
Aetna’s Medicare Advantage HMO-POS plan also has a zero-dollar annual premium. Rated four stars, the plan’s MOOP is $5,900.
Humana’s Private Fee for Service (PFFS) Medicare Advantage plan has a MOOP of $6,700 annually. This four-star rated plan also has a yearly premium of zero.
The average cost of Medicare Advantage plans in Philadelphia, Pennsylvania
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Aetna | $0 | $6,900 | HMO | 4 |
| Wellcare | $0 | $7,550 | LOCAL PPO | N/A |
| Humana | $0 | $7,200 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $5,550 | HMO | 4 |
| Clover Health | $0 | $7,550 | LOCAL PPO | 3 |
Medicare Supplement plans
Medigap or Medicare Supplement plans in Pennsylvania are identified by an alphabet letter. The most financially beneficial Medigap or Medicare Supplement plans are Plan G, Plan N, and Plan F. Medigap or Medicare Supplement plans pay most expenses (primarily deductibles and coinsurance) that Medicare doesn’t cover.
Medicare Supplement Plan G pays the Part A deductible, Part A coinsurance, and Part B coinsurance, among other expenses. Premiums begin at $144.60 monthly in Philadelphia, PA.
Medicare Supplement Plan N pays the Part A deductible, Part A coinsurance, and Part B copays, among other expenses. In Philadelphia, PA, monthly premiums begin at around $113.38.
Medicare Supplement Plan F covers almost all medical expenses that Medicare does not. Philadelphia, PA, monthly premiums start from $173.59 per month.
The average cost of Medicare Supplement plans in Philadelphia, Pennsylvania
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $99.33 | $369.80 |
| PLAN B | $137.65 | $393.62 |
| PLAN C | $194.36 | $528.25 |
| PLAN D | $179.01 | $277.33 |
| PLAN F | $173.59 | $530.12 |
| PLAN HDF | $50.00 | $103.04 |
| PLAN G | $144.60 | $509.57 |
| PLAN HDG | $49.47 | $102.83 |
| PLAN K | $71.53 | $162.62 |
| PLAN L | $104.33 | $304.68 |
| PLAN M | $129.94 | $345.98 |
| PLAN N | $113.38 | $435.00 |
Medicare Part D prescription drug plans
Part D is Medicare for prescriptions. Since Medigap and Medicare Supplements don’t include coverage for Part D, which consists of a “donut hole” or coverage gap, many people shop for a Part D standalone plan. Aetna, Wellcare, and Humana are among other popular Part D providers in Philadelphia, PA.
Aetna Medicare Part D insurance has a three-star rating, a $7.20 monthly premium, and a $480 annual deductible.
WellCare’s three-star Medicare Part D coverage also has a $480 deductible, with a monthly premium of $12.90.
Humana Medicare Part D insurance has a four-star rating, a $22.70 monthly premium, and a $480 annual deductible.
The average cost of Medicare Part D plans in Philadelphia, Pennsylvania
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.20 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring Health | $18.20 | $480 | 2 |
| Elixir | $20.30 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
Special Needs plans.
People with chronic illnesses or disabilities qualify for a Medicare Special Needs Plan (SNP). This Medicare Advantage plan is open only to people with special medical needs and is not available in all locations in Philadelphia, Pennsylvania. Fortunately, Philadelphia, PA, has multiple insurance companies that offer Medicare SNPs.
UPMC’s Medicare SNP is a zero-premium HMO. The MOOP is $3,400 annually, and UPMC accepts dual eligibility (referring to those eligible for Medicare due to age and Medicaid due to a chronic illness or disability).
The Humana Medicare SNP plan accepts dual eligibility and is a local PPO. The MOOP is $3,450, and the annual premium is zero.
Aetna’s Medicare SNP charges a zero premium and has an annual MOOP of $7,550. Aetna also accepts dual-eligibility individuals.
The average cost of Medicare Special Needs plans in Philadelphia, Pennsylvania
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Aetna | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Vista Health | $0 | $3,400 | HMO | Dual |
| UPMC | $0 | $3,400 | HMO | Dual |
| Cigna | $0 | $6,900 | HMO | Chronic or Disabling |
How to sign up for Medicare plans in Philadelphia Pennsylvania
Ready to enroll in Medicare Advantage, Medigap, or Medicare Part D? Our licensed agents are prepared to assist you, and our services are free. We work with all carriers and compare all plans to find which is best suited for your needs. Call today or submit our web form to request rates and more information.
