Over 75,000 seniors and disabled individuals have Medicare in Scranton, Pennsylvania, allowing them to access healthcare services. Exactly 52,367 Medicare beneficiaries in Scranton are under the Original Medicare Plan, while 23,239 opt for Medicare Advantage plans.

Both Original Medicare and Medicare Advantage enrollees can benefit from supplemental insurance. Let’s examine the options you have today.

Medicare plans in Scranton, Pennsylvania

While Medicare is less expensive than private insurance, this federal insurance program doesn’t cover all the costs of healthcare services. Supplemental Medicare plans can help relieve the financial burden of medical expenses.

Residents enrolled in Medicare in Scranton, Pennsylvania, can choose between Medigap or Medicare Advantage to supplement Parts A and B of their insurance plan.

Thus far, 54.08% of the female Medicare enrollees aged 71 years older and older participate in supplemental insurance, while only 45.62% of male participants do the same.

Medicare Advantage plans

Overall, 30.74% of Medicare beneficiaries have a Medicare Advantage plan. There are 3,834 Medicare Advantage plans available nationwide. Pennsylvania has the largest number of plans, with over 60 available for individual enrollment.

Humana (PFFS) is an affordable supplemental insurance plan with a $0 monthly premium. Humana has a four-star rating and a $6,700 maximum out-of-pocket (MOOP) rate.

Aetna (Local PPO)  is an excellent choice for patients with Medicare in Scranton, Pennsylvania. This local PPO covers vision, dental, hearing, and fitness memberships and has a five-star rating. Aetna has an expansive provider network, making it widely accepted.

United Healthcare (Local PPO) is another viable contender with a three-star rating. Many beneficiaries prefer UHC for its quality coverage and affordable prices. The zero-dollar monthly premium and the $6,700 MOOP rate make it an attractive option.

The average cost of Medicare Advantage plans in Scranton, Pennsylvania

PLAN PREMIUM MOOP Plan Type Star Rating
Geisinger $0 $7,550 HMO 4
Aetna $0 $7,550 LOCAL PPO 5
Wellcare $0 $7,550 LOCAL PPO N/A
Humana $0 $6,700 PFFS 4
UnitedHealthcare $0 $6,700 LOCAL PPO 3

Medicare Supplement plans

Medigap is an alternative to Medicare Advantage. As the name implies, it covers the price gap created by traditional Medicare plans. Patients with Medicare in Scranton, Pennsylvania, must cover 20% of their medical bills.

Medigap benefits are uniform nationwide, so the benefits remain the same while the premium costs vary in each state.

Medigap Plans F, G, and N are the best options for Medicare beneficiaries. These plans provide comprehensive coverage with minimal out-of-pocket expenses. The savings will cover the deductible for emergencies if the premium is high.

The average cost of Medicare Supplement plans in Scranton, Pennsylvania

PLAN A $68.15 $302.56
PLAN B $113.87 $305.29
PLAN C $142.84 $400.75
PLAN D $120.44 $225.85
PLAN F $133.81 $401.87
PLAN HDF $32.00 $156.15
PLAN G $118.61 $386.07
PLAN HDG $32.00 $79.11
PLAN K $48.78 $122.87
PLAN L $77.83 $254.93
PLAN M $86.47 $279.43
PLAN N $90.91 $330.02

Medicare Part D prescription drug plans

Medicare Part D is a separate plan that covers prescription medication. Unfortunately, Medigap supplemental plans don’t include prescription drug benefits.

Aetna is the lowest premium Part D option with a monthly cost of $7.20. This policy has a three-star rating and a deductible of $480 per year. Under this plan, generic medications cost $1-$19.

Humana has the highest premium at $22.90 a month. However, this Part D plan boasts a four-star rating. Generic medications covered by this policy shouldn’t cost patients more than $4. The deductible is $480 per year.

Elixir is the next best Plan D option since it has a three-star rating. The monthly premium is $20.30 with a $480 yearly deductible.

The average cost of Medicare Part D plans in Scranton, Pennsylvania

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

Special Need Plans (SNPs) fall under Medicare Advantage plans for individuals with limited income or certain chronic diseases. Only patients with Medicaid and Medicare in Scranton, Pennsylvania, are eligible for a Special Needs Plan. These plans aren’t available in every region.

Geisinger offers reasonable dual eligibility. The HMO provider has a zero-dollar monthly premium and a $3400 MOOP rate.

Vista Health (HMO) also has a $0 monthly premium, but you’ll have to spend at least $3,400 out of pocket before the plan provides complete coverage.

Humana (HMO) is one of the leading insurers, consistently receiving at least a four-star rating. They have a dual eligibility Special Needs Plan with a zero-dollar month premium and a $3450 yearly MOOP rate. The MOOP is just $50 more than the other plans.

The average cost of Medicare Special Needs plans in Scranton, Pennsylvania

PLAN PREMIUM MOOP Plan Type Eligibility
Geisinger $0 $3,400 HMO Dual
Vista Health $0 $3,400 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Wellcare $0 $3,450 HMO Dual
Humana $0 $3,450 HMO Dual

How to sign up for Medicare plans in Scranton, Pennsylvania

Obtaining supplemental insurance can be a lifesaver if you have Medicare in Scranton, Pennsylvania. Please fill out our form to get the best quotes, or call us today to speak with one of our agents to discuss your options.

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.