Hundreds of thousands of individuals rely on Medicare in Pittsburg to relieve the financial burden of healthcare costs. There are 633,470 Medicare beneficiaries, most of whom have Medicare Advantage plans.

Recent data revealed that 223,714 Medicare beneficiaries in Pittsburg, Pennsylvania, are enrollees in the Original Medical Plan, while 409,756 have Medicare Advantage. Let’s explore the supplemental plans available to such individuals.

Supplemental Medicare Plans in Pittsburgh, Pennsylvania

Standalone Medicare policies don’t always cover 100% of an individual’s healthcare expenses. Supplemental insurance plans cover the remaining health care costs that beneficiaries would be liable for otherwise.

Medicare beneficiaries can enroll in a Medigap or Medicare Advantage plan to supplement Parts A and B. In Pittsburgh, 54.08% of enrollees that choose to participate in supplemental Medicare plans are women aged 71 years old and older.

Cheapest Medicare Advantage Plans in Pittsburgh, Pennsylvania

Exactly 64.68% of the individuals with Medicare in Pittsburgh also have Medicare Advantage plans. The average beneficiary has access to 39 Medicare Advantage plans, a significant increase from previous years.

Aetna is a widely accepted HMO with a maximum out-of-pocket (MOOP) rate of $5900. Aetna is popular because it has the lowest MOOP and a $0 monthly premium. Aetna covers emergency room and urgent care visits worldwide. Humana is available in all 50 states, and its Part C program provides coverage for prescription drugs.

UPMC is another excellent option. This HMO has a five-star rating and a $0 monthly premium cost. However, the MOOP rate is $6700.

Humana is a local PPO insurance that’s one of the top five Medicare Advantage plans this year. This plan has a four-star rating, and beneficiaries have a $0 monthly premium fee. Yet, the MOOP is $6,700.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $6,700 HMO 3
Humana $0 $6,700 LOCAL PPO 4
UPMC $0 $6,700 HMO 5
Aetna $0 $5,900 HMO 4
Highmark $0 $7,550 LOCAL PPO 5

Affordable Medicare Supplement Plans in Pittsburgh, Pennsylvania

Individuals enrolled in Medicare in Pittsburgh are eligible for Medigap. Medigap is extra insurance that covers the services that the Original Medicare Plan doesn’t. A Medigap policy covers copayments, deductibles, and coinsurance.

The benefits of these standardized government plans remain the same countrywide. The monthly premium rate varies depending on the state.

Many patients opt for Medigap Plan HDG, which has the lowest premiums, ranging from $38.19 to $ 83.18. Although the monthly premium is low, patients need to pay a higher deductible before getting 100% coverage.

Medigap Plan G is an excellent alternative to Medigap Plan HDG. The premiums rates are $111.62-$414.10. One advantage of this plan is that it covers 100% of everything that Medicare Parts A and B cover except for the Part B deductible.

Medigap Plan F also provides comprehensive coverage and has many enrollees. Patients with Plan F have very little to no out-of-pocket fees. The Medigap Plan F monthly premium ranges from $134-$430.75. If your premium rates are on the higher end, you’ll have savings to cover the deductible in an emergency.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $80.57 $332.91
PLAN B $106.25 $334.49
PLAN C $157.42 $429.62
PLAN D $139.98 $262.05
PLAN F $134.00 $430.75
PLAN HDF $40.20 $182.90
PLAN G $111.62 $414.10
PLAN HDG $38.19 $84.18
PLAN K $57.19 $131.87
PLAN L $82.42 $274.29
PLAN M $94.45 $311.31
PLAN N $87.52 $353.30

Average Medicare Part D in Pittsburgh, Pennsylvania

There is no coverage for prescriptions in Medicare Advantage plans or Medigap plans. Medicare Part D drug coverage lowers the cost of generic and name-brand medications. This optional insurance plan will come in handy if you require regular prescription medication.

The monthly premium for an Aetna plan is $7.20, with a deductible of $480. Wellcare is the next affordable plan with a monthly premium of $12.90 and a $480 deductible. A Clear Spring Health plan has a $480 deductible with an $18.20 monthly premium.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plan in Pittsburgh, Pennsylvania

Medicare in Pittsburgh also provides coverage for individuals with special needs and chronic diseases under Medicare Advantage Plans. Special Needs plans aren’t available in every region.

Patients can choose a UPMC (HMO) plan, which offers dual eligibility and has a zero-dollar premium. The MOOP rate is $3,400. Vista Health (HMO) is very affordable, with no monthly premium and a $3,400 MOOP. Humana (Local PPO) is a dual eligibility plan with a $0 premium and $3,450 MOOP.

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

FAQs

What Medicare region is Pittsburgh, PA?

In Pittsburgh, PA, jurisdiction L processes Medicare Parts A and B.

Which Medigap plans are no longer available in Pittsburgh, Pennsylvania?

The following Medigap plans are no longer available to beneficiaries:

Can I switch Medicare Supplement plans anytime in Pittsburgh, Pennsylvania?

Patients can change their Medigap or Medicare Advantage plan, but they may have to undergo an underwriting process, which means the health insurer will evaluate their medical history.

What is the free look period for a Medicare Supplement policy in Pittsburgh, Pennsylvania?

Individuals with supplemental Medicare in Pittsburgh have 30 days to decide whether they want to keep their Medicare Advantage Plan or switch to another policy.

Can Medigap premiums be deducted from Social Security in Pittsburgh, Pennsylvania?

If you receive social security retirement or disability benefits in Pittsburgh, you can have your Medicare premiums automatically deducted from your monthly benefits. The Social Security Administration will automatically deduct your premium payments from your check if you have a Medicare Advantage Plan.

How to Sign Up for Supplemental Medicare in Pittsburgh, Pennsylvania

If you have Medicare in Pittsburgh, you may want to consider enrolling in Medigap or Medicare Advantage and Plan D for comprehensive medical coverage. Our agents can help you select the best insurance plan based on your needs and budget. Complete our form to obtain free quotes or give us a call at the number above.

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.