|Plan Type||Est. Premium*|
|Medigap Plan A:||$91.96||(shop rates)|
|Medigap Plan B:||$106.81||(shop rates)|
|Medigap Plan C:||$130.23||(shop rates)|
|Medigap Plan D:||$110.77||(shop rates)|
|Medigap Plan F:||$130.70||(shop rates)|
|Medigap Plan G:||$111.12||(shop rates)|
|SELECT Plan C:||$108.10||(shop rates)|
|SELECT Plan D:||$91.93||(shop rates)|
|SELECT Plan F:||$108.48||(shop rates)|
|SELECT Plan G:||$92.22||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Pennsylvania. You must request a quote to get an exact premium for your situation.
This page outlines Gerber Life Insurance Co Medigap Plans sold in Pennsylvania. Gerber Life is licensed with the Pennsylvania State Board of Insurance to sell Medicare Supplement insurance. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The company has been selling supplements for more than 3 years. Their full range of plans for Pennsylvania seniors are listed below. A.M. Best Company, a nationally recognized insurance rating company, gave Gerber Life an A rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Pennsylvania seniors with Medicare benefits are eligible to apply for a Gerber Life Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (Pennsylvania)
- New Era Life Medigap Plan A (Pennsylvania)
- Central States Medigap Plan A (Pennsylvania)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Pennsylvania from Gerber Life Insurance Co . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (Pennsylvania)
- Combined Medigap Plan B (Pennsylvania)
- Forethought Life Medigap Plan B (Pennsylvania)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Gerber Life Insurance Co offers it in Pennsylvania. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- New Era Life Medigap Plan C (Pennsylvania)
- Central States Medigap Plan C (Pennsylvania)
- Forethought Life Medigap Plan C (Pennsylvania)
Gerber Life Insurance Co offers the Medicare SELECT Plan C policy to Pennsylvania seniors. This plan does requires the policyholder to use hospitals and, in some instances, doctors within the company's network in order to receive the full coverage benefits of the plan. Be sure that you compare premiums to make sure you're found the best rate:
Plan D covers most of the high risk areas not covered by Medicare. Most often the premium for a Plan D is less than the more comprehensive plans, like Plan F and G, but it leaves gaps in the coverage that these plans don’t.
People who choose this plan frequently do so because they are willing to risk the potential expense of the Part B deductible, preventative care and Medicare Part B excess charges. Before purchasing this plan be sure to compare rates on Plan F and G, as well.
Gerber Life Insurance Co offers a Plan D policy in Pennsylvania. It's not the most common plan, but here are a couple carriers we think you should check out to see if they offer a better price:
- Central States Medigap Plan D (Pennsylvania)
- KSKJ Life Medigap Plan D (Pennsylvania)
- Family Life Medigap Plan D (Pennsylvania)
This Medicare SELECT Plan D from Gerber Life Insurance Co is a managed care supplement plan. You get all the same benefits as a regular Plan D, but you must use hospitals and, in some instances, doctors within the carrier's network to receive the full benefits of the insurance. You have options, so make sure you compare premiums:
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Pennsylvania. Gerber Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Pennsylvania by comparing quotes from these insurance carriers:
- World Corp Medigap Plan F (Pennsylvania)
- Central States Medigap Plan F (Pennsylvania)
- Aetna Life Medigap Plan F (Pennsylvania)
Medicare SELECT is a managed care supplement plan (like an HMO or PPO) for Medicare beneficiaries. If you purchase this plan, Gerber Life Insurance Co requires you to use the hospitals and, in some instances doctors, within the company's network. Other than that, this policy offers you the same great coverage as a standard Plan F. Compare the premium on this plan with these carriers to be sure you're getting the best price:
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Gerber Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Central States Medigap Plan G (Pennsylvania)
- Forethought Life Medigap Plan G (Pennsylvania)
- New Era Life Medigap Plan G (Pennsylvania)
Like a regular Plan G, the Medicare SELECT offers good coverage for a reduced price. Gerber Life Insurance Co offers this Medicare SELECT policy to Pennsylvania seniors. It's a managed care supplement plan, so be sure to review the restrictions and compare premiums:
You are eligible to apply for a Gerber Life Medicare Supplement if you are:
- A resident of Pennsylvania,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Gerber Life offers plans in Philadelphia, Allentown, Bethlehem, State College, Scranton, Wilkes-Barre, Altoona, Harrisburg, York, Erie, Reading, Lancaster and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on