The Process I Used To Find My Pennsylvania Medicare Supplement Insurance

When I became eligible for Medicare, I realized that I wanted more coverage so I started looking for Pennsylvania Medicare supplement insurance. In order to find the right coverage for me, I followed several steps. My journey to find good Pennsylvania Medigap insurance coverage was very successful. Thus, I have decided to discuss the steps that I took to find this coverage. In this blog, I will explain the steps that I took and why I took them. Hopefully, other people can use the steps in my process to help them find their own supplemental coverage.

 First, I made of list of all of the things that I wanted coverage for. I included big ticket items like long term private nursing home care. I also included small items like help paying for my prescription drugs and help paying the co-pays and other out of pocket costs that Medicare did not cover. Then, I made a chart. I listed all of the things that I wanted along one side of the page. Along the top of the page, I listed all of the Pennsylvania Medigap plans. There was a series of plans labeled with the letters A through N. However, I did not include all of these plans, as some of them were no longer available for new patients. Then, I made X’s to indicate which plan covered which items. Using this chart, I was able to match which of the Pennsylvania Medicare supplement insurance plans would cover the most of what I wanted.

Then, using the internet, I found the websites of several companies that sold Pennsylvania insurance for supplements. Some of the companies that sold these plans were famous companies whose names I recognized and trusted. For instance, the AARP offered Pennsylvania Medicare supplement insurance plans. There were other companies that I had never heard of who also sold these plans. I looked through all of their websites and made a few phone calls. Then, I decided which company I wanted to work with by comparing their costs. I did not want to take the cheapest offer. I wanted to take a low price offer but only from a company whose name I trusted.

If you are not internet savvy, you can skip the above step by contacting your state’s Health Insurance Assistance Program. Ask them if they have a guide with a cost analysis of different insurance companies. They may be able to mail you a chart that gives you a look at which companies offer which coverage at which prices. This can help you make your final decision.

While going through this process, you should keep in mind that you may not be able to find a plan that covers everything that you want. For instance, I could not find a plan that would cover a long term private nursing home stay. However, the plan that I opted to buy had many benefits that would help me to save money for a nursing home later. I also got Pennsylvania Medicare part d coverage to help me pay for my prescriptions. All of these Pennsylvania Medicare supplement insurance plans had one thing in common, and that is that they would help lower my bills and make my financial and health life better.

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