Medicare prescription drug plans (PDP) in Pennsylvania provide quality coverage for Seniors. The different types of drugs are preferred generic (Tier 1), generic (Tier 2), preferred brand (Tier 3), non-preferred drug (Tier 4), and specialty (Tier 5). Prescription benefits are available through Medicare Advantage plans, or separate Part D coverage. All plans publish their specific covered drugs (formulary), which should be reviewed before enrollment, which is voluntary. Available pharmacies should also be considered.
After you compare 2019 options and choose the specific plan you prefer, enrollment can be easily completed online, by phone, or through the mail. You will be required to provide your ID number (found on your Medicare Card), and the dates that your Parts A and B coverage began. If you have existing prescription drug benefits, you may not want to enroll in an Advantage plan. If you do not enroll during the time you initially become eligible, a late enrollment penalty may be applied. The program was created by the Federal Medicare Prescription Drug Improvement, and Modernization Act of 2003.
Finding low-cost healthcare is the goal of most residents here in Pennsylvania. Obamacare, also known as the "Affordable Care Act," became law in the Keystone State and the rest of the US nine years ago. Seven years ago, the legislation was upheld by the Supreme Court. Yet, it remains unpopular and expensive for many Pa residents. Premiums have not reduced, and continue to increase at a faster pace than before the legislation was passed.
There are several alternatives to Obamacare health insurance plans that are available for consumers. We have reviewed these options, so you can determine which plans (if any) make financial sense. If you miss Open Enrollment and do not qualify for an SEP (Special Enrollment Period), choosing one of these alternatives may become a necessity.
Health insurance rates in Pennsylvania have declined for many persons. The combination of fewer submitted claims, the federal subsidy, and increased availability of low-cost plans has created many affordable policies that can be easily purchased. Regardless if you qualify for a Marketplace federal subsidy, or your household income is too high to qualify, you can easily and quickly view quality medical coverage that is budget-friendly.
If you did not purchase coverage through Open Enrollment, you still may qualify for a "Special Enrollment Period," that allows you to receive for a federal subsidy. You can also obtain benefits without using any federal help. NOTE: The SEP is not available for Medigap or Medicare Advantage plans. Senior plans have a separate OE period.
Our official guide to understanding Obamacare and Pa health insurance helps you shop and compare the best policies, find the best prices, and purchase the plan that's the right fit for you. Although Pennsylvania healthcare reform and federal tax subsidy changes each year make the "Exchange" process a bit more confusing, we're confident you will save money. Your enrollment will also be quick and easy.
A lot of things changed, so we'll summarize them. Perhaps the most significant change is that applicants are no longer declined because of a single or combination of medical conditions. Whether it is heart disease, degenerative back issues, diabetes, obesity, or any type of cancer, you will be able to purchase health insurance in Pennsylvania.
Senior Medigap plans in Pennsylvania help you pay for many of the costs that Medicare does not cover, including deductibles, coinsurance, copays and other out-of-pocket expenses. We show you 2019 and 2020 Supplement rates from the top insurance companies so you can make an informed decision whether you wish to purchase a plan. Of course, your online quote is always free when your provide your zip code above. Pa Advantage contracts and Part D prescription drug plans are also available.
Some Basic Facts:
To be eligible for a Pa supplemental plan, you must be enrolled in Part A AND B. However, if you have already signed up for Part A, but not Part B, form CMS 40-B should be completed.
You can only purchase a plan from an insurer that is licensed in Pennsylvania. The Pa Department of Insurance makes the final determination. You can also view ratings and other financial data about each carrier. Network provider information is also provided.
There are state and federal laws that must be followed on every plan. Occasionally, legislative changes are introduced that could impact the price of your plan, benefits, and eligibility.
The premium you pay for your gap coverage is separate from the amount you are charged for the Part B benefits. It also is optional and not required.
You can not be terminated from your current policy because you developed a medical condition or submitted too many claims. You can also keep the plan, unless it is not offered in your service area, or the company no longer conducts business.
Unless you have a Supplement plan, potential out-of-pocket costs are unlimited.
If you're lucky, you have never been in a Pennsylvania hospital, with the possible exception of when you were born. But if you're like most residents, you probably have been a patient at least a few times. Maybe having your tonsils removed or perhaps having a minor surgery. It's not fun, but hospitals save lives and we are very fortunate to have some of the best ones here in Pa.
We have listed (alphabetically) the eight top hospitals in Pennsylvania. We performed our own research, taking into consideration, patient satisfaction, survival rates, costs, community availability and network coverage by health insurance companies. And, of course, there are hundreds of choices that didn't make the list, although they are great facilities.