Luzerne County Pennsylvania Medicare Supplement Insurance
Medicare Supplement Plan N offers the best overall value in Pennsylvania. Medicare Supplement Plan N offers the same coverage as Medicare Supplement Plan F, except for the following gaps:
You are required to pay the Medicare Part B Deductible. (which is only $147.00 in 2014)
You will have a $20 copay per Doctor visit. ($20 is the most, even for a specialist)
You will have a $50 copay for an ER visit. (This is waived if your admitted and then it pays the same as Medicare Supplement Plan F)
Part B Excess Charge. In Pennsylvania, Doctors/Providers are not allowed to charge Part B excess charges.
Agents want to sell you Plan F because it is easy to explain and agents make the more money selling Plan F over Plan N. Lets look at an example:
Pricing for a 70 year Non-tobacco male that lives in the zip code 18222:
The top three Plan F pricing:
Stonebridge Life: $153.14 per month
Manhattan Life: $156.50 per month
Philadelphia American: $157.31
***Companies you have heard of: Cigna: $160.64, Humana: $165.26, Aetna: $168.66, Mutual of Omaha: $170.77.
Now the top three Plan N pricing:
United Healthcare $108.07
Philadelphia American: $110.12
Manhattan Life: $110.25
***Companies that you have heard of: CSI: $111.08, Cigna: $111.34, Aetna: $120.25, Humana: $120.36.
I am not “Anti-Plan F”, but we all know that all of these premiums increase every year. If you add in the fact that you will typically have to medically qualify to switch Medicare Supplement Plans in the future, why would someone not start with a Medicare Supplement Plan N in Pennsylvania?
Also, please call me and I would love the opportunity of being your Luzerne County Pennsylvania Medicare Supplement Insurance Agent. (DIRECT PHONE LINE: 1-800-525-0299)
P.S. I also help with Medicare Part D.
I represent all of the top Medicare Supplement Companies, I save you money by helping you shop.
Robert W. Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Direct Toll Free: 1-800-525-0299
Company Toll Free: 1-855-368-4717