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Pennsylvania Residents and Seniors Only

There are many Pennsylvania Seniors who have limited incomes and living needs that exceed their income. We can help Seniors  by providing Long Term Care insurance, Medicare Supplements, Prescription programs and discount plans.  If you are looking for long term care health insurance in Pennsylvania or long term care insurance quotes, please fill out the quote request form and a local agent will contact you.


Medicare Supplements for Pennsylvania

What is a Medigap or Medicare Supplement Policy

A Pennsylvania Medigap or Medicare Supplement policy is health insurance designed to supplement the original Medicare plan, that is, to help pay some of the health care costs ("gaps") that the original Medicare plan doesn't cover (like copayments, coinsurance, and deductibles). If you are in the original Medicare plan and you buy a Pennsylvania Medicare supplement or medigap policy, then both plans will pay their share of Medicare-approved amounts for covered health care costs. Medigap policies are sold by private insurance companies. Also, Pennsylvania Medicare insurance or a medigap policy isn't a "Medicare Health Plan" (such as an HMO or PPO) because it's not a way to get Medicare benefits.

Insurance companies can only sell you a "standardized" Medigap or Medicare supplement policy. Standardized Medigap policies are identified by letters (Medigap Plans A through L). Medigap Plans F through J also offer a high-deductible option. In some states, you may be able to buy another type of Medigap policy called Medicare Select. Each type of Medicare Supplement or Medigap policy offers the same basic benefits, no matter which insurance company sells it. Usually the only difference between Medigap policies sold by different insurance companies is the cost.

Medicare Supplement or Medigap policies must follow Federal and State laws. These laws protect you. The front of a Medigap policy must clearly identify it as "Medicare Supplement Insurance."

Medicare Supplement or a Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you each must buy separate Medigap Policies.

Our existing clients receive a printout from the Medicare website every year showing them the least expensive Medicare prescription plans (Medicare Part "D") based on their medications, because the formularies and premiums change annually.  It is important for seniors who live off of limited incomes to stay in the lowest cost plans. Americhoice provides this to our senior clients as a free service. We provide the same report for those who are on a Medicare plan.
Our goal at Americhoice Insurance is to provide our senior clients with the lowest cost Medigap (Medicare Supplement), Medicare Part "D" (Medicare Prescription Part "D") and Medicare plans each year.

If you are looking for Medicare Supplement insurance, long term care insurance quotes, or for a free report on the Medicare Prescription plans and Medicare plans that best meet your needs, please fill out the appropriate form above and a representative will contact you.

When is the best time to buy a Pennsylvania Medicare Supplement or Medigap Policy?

The best time to buy a Pennsylvania Medicare supplement or Medigap policy is during your aging enrollment period (ICEP - initial coverage enrollment period). This period lasts for six months and begins three months prior to your birth month and includes your birth month and three months after your birth month. You must be enrolled in Parts A and B. During this period, an insurance company can't
-refuse to sell you any Medigap policy it sells,
-make you wait for coverage to start, or
-charge you more for a Medigap policy because of your health problems.

While the insurance company can't make you wait for all your coverage to start, it may be able to make you wait for coverage of pre-existing condition. A pre-existing condition is a health problem you have before the date a new insurance policy starts. In some cases, the Medicap insurance company can refuse to cover that health problem for up to six months. This is called a "pre-existing condition waiting period." (Remember, for Medicare-covered services, the Original Medicare plan will still cover the condition, even if the Medigap policy won't cover your out-of-pocket costs.)

If you buy a Pennsylvania Medicare supplement or Medigap policy during your Medigap open enrollment period or if you recently had certain kinds of health coverage called "creditable coverage," the insurance company must shorten or eliminate any waiting period. Creditable coverage is generally any other health coverage you recently had before applying for a Pennsylvania Medicare supplement or Medigap policy. There are many types of health care coverage that may count as creditable coverage for Medigap policies. To find out if your health coverage is creditable coverage, call a Medigap insurance company or your State Insurance Department.

Important: Whether you had creditable coverage depends on whether you had any "breaks in coverage"- when you were without any type of health coverage for more than 63 days in a row. Talk to your Medicare supplement or Medigap insurance company or State Health Insurance Assistance Program if you had any breaks in coverage. They will be able to tell you if the coverage will count towards your creditable coverage.

If you buy a Pennsylvania Medicare supplement or Medigap policy when you have a guaranteed issue right (also called "Medigap protections"), the insurance company can't use a pre-existing condition waiting period.

Note: You can send in your application for a Pennsylvania Medicare supplement or Medigap policy before your Medigap open enrollment period starts. This may be important if you currently have coverage that will end when your turn ago 65. This will allow you to have continuous coverage, without any break.

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