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Nearly 2.8 million people in Pennsylvania are signed up for Medicare, making it the fifth-largest U.S. state for Medicare beneficiaries.
Medicare is the government health care program for people ages 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.
What to know about Medicare in Pennsylvania
About 1 in 5 people in Pennsylvania are 65 and older, and the state offers a variety of Medicare and Medicare Advantage plans.
The average monthly premium in 2022 for a Medicare Advantage plan in Pennsylvania is $32.79. (It was $38.72 in 2021.)
There are 240 Medicare Advantage plans available in Pennsylvania in 2022. (This is down from 244 plans in 2021.)
All Medicare-eligible people in Pennsylvania have access to a $0-premium Medicare Advantage plan.
Medicare Advantage providers in Pennsylvania
Health Partners Medicare.
Independence Blue Cross.
UPMC for Life.
Vibra Health Plan.
Top-rated Medicare Advantage plans in PA
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are plans that received top marks in Pennsylvania for the 2022 plan year. (Check out more information about Medicare star ratings.)
The plans below are rated 5 stars out of 5 by the CMS:
The plans below are rated 4.5 stars out of 5 by the CMS:
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
How to choose a Medicare Advantage plan
It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:
How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?
You can use Medicare’s plan finding tool to compare plans in your area.
Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Pennsylvania? Check out these resources: