Medicare Advantage
The all-in-one option. Often bundles dental, vision, hearing, and prescription coverage—and many plans have a $0 monthly premium.
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Pennsylvania
Medical Insurance,
made simple.
Local guidance. Clear answers. Plans that fit your life in Pennsylvania.
Local & Independent
We work for you, not the insurance companies.
Clear, Honest Guidance
We explain your options in simple terms.
Here to Help
Support when you need it most.
Let's get started
Where are you starting from?
Choose what sounds most like you and we'll help make the next step clear.
Pennsylvania knowledge, personal service.
From Philadelphia to Pittsburgh, and from the Poconos to the Laurel Highlands, we help you compare the plans available where you live.
Coverage options
Three ways Medicare can work for you.
We explain what each option actually means for your doctors, medications, and wallet—then let you decide.
Medicare Supplement (Medigap)
Predictable costs and broad freedom. Medigap fills in what Original Medicare leaves behind, with no provider networks to worry about.
Learn more →Prescription Drug (Part D)
Built around your medications. We compare formularies, pharmacies, and true annual costs—not just the monthly premium.
Learn more →How Medicare Works in Pennsylvania
Pennsylvania Medicare beneficiaries have access to a wide range of coverage options, but the rules around switching plans are different here than in a few states with special guaranteed-issue protections. In Pennsylvania, your best chance to enroll in a Medigap (Medicare Supplement) plan without health questions is during your one-time six-month open enrollment window, which starts when you're 65 or older and enrolled in Medicare Part B. After that window closes, insurers in Pennsylvania may use medical underwriting to decide whether to accept your application and what to charge.
That makes it especially important to choose your initial Medigap plan carefully. On the Medicare Advantage side, Pennsylvania residents have strong competition among major carriers such as UPMC, Highmark, Independence Blue Cross, Capital Blue Cross, Geisinger, Aetna, Humana, UnitedHealthcare, Cigna, and Wellcare. Availability, premiums, provider networks, and out-of-pocket costs vary significantly by county and ZIP code — for example, western Pennsylvania plans often center on UPMC or Highmark networks, while southeastern Pennsylvania plans frequently feature Independence Blue Cross or Capital Blue Cross networks.
For anyone turning 65 in Pennsylvania, or reconsidering coverage during Fall Open Enrollment, comparing both paths — Original Medicare plus Medigap versus Medicare Advantage — is worth the time. The right answer depends on your doctors, prescriptions, budget, and how much flexibility you want.
Pennsylvania Medigap Enrollment Basics
If you're turning 65 or already on Medicare in Pennsylvania, here's what matters most about Medigap (Medicare Supplement) plans:
- Your six-month Medigap open enrollment window begins when you're 65 or older and enrolled in Medicare Part B
- During that window, insurers cannot deny you coverage or charge more because of a pre-existing health condition
- After the window closes, you may be asked health questions and could be turned down or charged a higher premium
- Some special situations — such as losing employer coverage or moving out of your Medicare Advantage service area — may trigger a guaranteed-issue right
Because Pennsylvania does not have year-round guaranteed-issue Medigap rules, picking the right plan at the right time is important. We're happy to walk through the timing and options with you.
Medicare Advantage — Carrier Landscape
Pennsylvania residents can choose from Medicare Advantage plans offered by UPMC Health Plan, Highmark, Independence Blue Cross, Capital Blue Cross, Geisinger Health Plan, Aetna, Humana, UnitedHealthcare, Cigna, Wellcare, and others. Plan availability, monthly premiums, provider networks, and out-of-pocket maximums vary by county and ZIP code. Many Pennsylvania Advantage plans carry a $0 monthly premium, but hospital and doctor network access can be the most important factor — especially if you want to keep a specific physician or hospital system. We compare plans based on your actual doctors, medications, and preferred hospitals.
Pennsylvania Medicare FAQ
How it works
Three steps. No catch, no pressure.
01
Tell us what's going on
Your doctors, prescriptions, and what matters most to you.
02
See the real numbers
We compare available plans and lay out the actual costs.
03
Enroll when you're ready
If something fits, we'll walk through it together. If not, that's fine too.
Extra Help paying for Medicare in Pennsylvania
If cost is a concern, these Pennsylvania and federal programs may lower what you pay. All links go to the official source—no sales pitch, just where to apply.
Extra Help (Part D)
Lowers your Medicare Part D prescription costs—premiums, deductibles, and copays—if you qualify based on income and resources. Many PA residents who apply are surprised they qualify.
Apply via Social Security →PACE / PACENET
Pennsylvania's prescription assistance programs for older adults. PACE and PACENET can help pay for Medicare Part D and other prescription costs if you meet age and income requirements.
Visit PA PACE →Medical Assistance
Pennsylvania's Medicaid program. If you're 65+ or living with a disability, Medical Assistance can work alongside Medicare to cover costs Medicare doesn't. Eligibility depends on income and resources.
Visit COMPASS →Local Life in Pennsylvania
Discover the Keystone State
Pennsylvania offers a unique blend of history, natural beauty, vibrant cities, and welcoming small towns. Whether you enjoy the energy of Philadelphia and Pittsburgh, the rolling farmland of Amish Country, or the peaceful mountains and forests that stretch across the state, Pennsylvania has something for everyone.
Four Beautiful Seasons
One of Pennsylvania's greatest attractions is its changing seasons. Spring brings colorful flowers and mild temperatures, summer is perfect for outdoor festivals and family vacations, autumn transforms the landscape into brilliant shades of red, orange, and gold, and winter offers opportunities for skiing, snowboarding, and cozy evenings at home.
Many residents appreciate experiencing all four seasons while enjoying a comfortable lifestyle year-round.
Beautiful Places to Explore
Pennsylvania is rich in natural beauty and American history.
Residents enjoy visiting the Pocono Mountains, the Allegheny National Forest, Presque Isle State Park on Lake Erie, and the scenic Pennsylvania Wilds. History lovers can explore Independence Hall, Gettysburg National Military Park, Valley Forge, and numerous museums that tell the story of America's founding.
Whether you enjoy hiking, fishing, boating, photography, or simply taking scenic drives through the countryside, Pennsylvania offers endless opportunities for outdoor recreation.
Friendly Communities
Pennsylvania is known for its strong sense of community. From quiet rural towns to thriving suburbs and growing cities, neighbors often know one another and take pride in supporting local businesses, schools, and community events.
Many retirees choose Pennsylvania because they can find communities that match almost any lifestyle, whether they prefer an active suburban neighborhood, a peaceful country setting, or the convenience of city living.
Healthcare Throughout the State
Pennsylvania is home to some of the nation's most respected healthcare systems.
Excellent hospitals, medical centers, and specialty physicians can be found throughout the state, including in Philadelphia, Pittsburgh, Harrisburg, Allentown, Erie, Lancaster, Scranton, and many other communities. Residents have access to outstanding primary care, specialists, rehabilitation services, and advanced medical treatment close to home.
Recreation and Entertainment
Pennsylvania offers activities for every interest.
Residents enjoy:
- State parks and hiking trails
- Beautiful lakes and rivers
- Fishing, boating, and camping
- Historic landmarks and museums
- Professional and college sports
- Shopping and local festivals
- Theater, concerts, and performing arts
- Farmers markets and wineries
- Excellent restaurants and diverse cuisine
- Family attractions throughout the state
Whether you enjoy outdoor adventures or cultural experiences, there's always something to discover in Pennsylvania.
Cost of Living
Pennsylvania offers an excellent balance between affordability and quality of life. While housing costs vary by region, many communities provide affordable living compared to other northeastern states. Residents also enjoy access to excellent healthcare, education, recreation, and transportation.
Retirement in Pennsylvania
Pennsylvania continues to be a popular state for retirement because it combines beautiful scenery, outstanding healthcare, historic communities, and a wide variety of recreational opportunities.
Whether you've lived in Pennsylvania your entire life or are considering relocating here, understanding your Medicare choices is an important part of planning for a healthy and secure retirement.
We're Here to Help
Choosing the right Medicare plan doesn't have to be confusing.
As Medicare specialists serving Pennsylvania residents, we're here to answer your questions, explain your options in plain English, and help you compare plans from leading insurance companies.
Our goal is simple: help you find Medicare coverage that fits your health needs, your doctors, your prescriptions, and your budget—so you can spend less time worrying about insurance and more time enjoying everything Pennsylvania has to offer.
About First American Medicare
Choosing coverage shouldn't feel confusing or rushed.
Whether you're turning 65, retiring, moving, or just double-checking your current plan, our job is to make it clear.
How we work
- Listen first
- Understand what you actually need
- Explain your options in plain English — no jargon
- Compare plans across multiple carriers
- Stick around after you enroll, not just before
We're not trying to sign you up once and disappear. We want to be the people you call every year.
Independent means more choices
We're not tied to one insurance company. We work with many well-known carriers, so we can compare plans against your actual doctors, prescriptions, and budget — and recommend what fits you, not what fits a quota.
Coverage isn't "set it and forget it"
If your prescriptions change, your doctor retires, or your situation shifts, we're still here. Your coverage should keep up with your life, not stay frozen the day you signed up.
What you can expect
- Honest answers
- Personal attention
- Clear explanations
- Respect for your time
- Ongoing support, year after year
Thank you for considering First American Medicare. We'd be glad to help.
Let's talk
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Get straightforward Medicare guidance at a time that works for you, with zero pressure.