HealthSpring Medicare Supplement Plans in Pennsylvania
Compare HealthSpring Medicare Supplement Plan G and Plan N, learn what affects your premium, and determine whether HealthSpring may offer a competitive option for your Pennsylvania ZIP code.
HealthSpring Medicare Supplement plans in Pennsylvania provide standardized coverage that works alongside Original Medicare. HealthSpring currently offers options that may include Medicare Supplement Plan G and Plan N, depending on eligibility and availability.
HealthSpring has recently offered competitive Medicare Supplement premiums for many Pennsylvania applicants. However, the company providing the best value depends on your age, ZIP code, tobacco status, household-discount eligibility, requested effective date and chosen plan.
The DeAngelis Agency can compare HealthSpring with other Medicare Supplement companies using the same applicant information and effective date. There is no additional broker fee added to your Medicare Supplement premium for using our agency.
Want to Compare HealthSpring With Other Companies?
HealthSpring may currently offer a competitive Medicare Supplement option for your age and Pennsylvania ZIP code, but rates and discounts vary by applicant.
Call or text The DeAngelis Agency at 215-967-8828.
Click here to request a personalized comparison.
There is no pressure or obligation.
What Are HealthSpring Medicare Supplement Plans?
HealthSpring Medicare Supplement plans, also called Medigap plans, help pay certain deductibles, coinsurance and copayments that Original Medicare does not pay completely.
A Medicare Supplement policy does not replace Original Medicare. Medicare remains your primary coverage, and the Medicare Supplement policy generally pays after Medicare processes an approved claim.
Medicare Supplement benefits are standardized by plan letter. A standard HealthSpring Plan G therefore provides the same basic medical benefits as a standard Plan G offered by another insurance company. The same principle applies to Plan N.
Important differences between insurance companies can include:
- Monthly premiums
- Household-discount requirements
- Application or policy fees
- Available payment discounts
- Medical-underwriting guidelines
- Customer service and billing procedures
- Available rate history
- Financial strength
Is HealthSpring the Same as Cigna Medicare?
HealthSpring is the Medicare brand used for the Medicare business purchased from The Cigna Group by Health Care Service Corporation, commonly called HCSC.
HCSC completed its acquisition of Cigna’s Medicare Advantage, Medicare Supplement, Medicare Part D and certain other businesses in March 2025. The Medicare business subsequently transitioned to the HealthSpring name.
HealthSpring is therefore the successor brand for the acquired Cigna Medicare business, but it is not currently owned by The Cigna Group.
Read the full explanation on our Is HealthSpring the Same as Cigna Medicare? page.
Who Issues HealthSpring Medicare Supplement Policies in Pennsylvania?
HealthSpring is the marketing brand, while the legal insurance company shown on the application and policy is responsible for issuing the coverage.
HealthSpring currently identifies HealthSpring Insurance Company as the issuing company for its Medicare Supplement coverage in Pennsylvania.
Applicants should review the legal company name, policy form, premium, discounts and all applicable disclosures before enrolling. The marketing brand and the legal issuing company are not always presented under exactly the same name.
Is HealthSpring a Good Medicare Supplement Company?
HealthSpring can be a good Medicare Supplement choice when its premium, available discounts and underwriting requirements compare favorably with other companies available to the applicant.
Its Medicare Supplement policies provide standardized benefits based on the selected plan letter. Choosing HealthSpring instead of another company does not change the Medicare-approved medical benefits required under Plan G or Plan N.
HealthSpring should not automatically be selected solely because it offers the lowest initial premium. Applicants should also consider:
- The complete first-year cost
- Whether quoted discounts apply
- Whether any application or policy fee applies
- The company’s available rate history
- Financial strength
- Customer-service considerations
- Medical-underwriting requirements
No insurance company can guarantee its future Medicare Supplement premiums. A company that is competitively priced today may not remain the lowest-priced company in every future year.
Which HealthSpring Medicare Supplement Plans Are Available in Pennsylvania?
HealthSpring’s available Medicare Supplement plans can depend on the applicant’s eligibility, location and the company’s currently approved offerings.
Plan G and Plan N are two of the most frequently considered options for people who become eligible for Medicare on or after January 1, 2020.
| Plan feature | HealthSpring Plan G | HealthSpring Plan N |
|---|---|---|
| Medicare Part A hospital deductible | Covered | Covered |
| Part A hospital coinsurance | Covered | Covered |
| Skilled-nursing facility coinsurance | Covered | Covered |
| Annual Medicare Part B deductible | Not covered | Not covered |
| Remaining Medicare-approved Part B coinsurance | Generally covered | Generally covered, subject to applicable Plan N copays |
| Part B excess charges | Covered | Not covered |
| Office-visit copay | No Plan G office copay after the Part B deductible | Up to $20 for certain office visits |
| Emergency-room copay | No Plan G emergency-room copay after the Part B deductible | Up to $50 when the visit does not result in inpatient admission |
| Foreign-travel emergency benefit | Included within plan limits | Included within plan limits |
Plan availability and eligibility should be confirmed using current company information before submitting an application.
HealthSpring Medicare Supplement Plan N in Pennsylvania
HealthSpring Plan N may appeal to Pennsylvania residents who want strong standardized coverage while accepting certain cost-sharing in exchange for a potentially lower monthly premium than Plan G.
After the annual Medicare Part B deductible is satisfied, Plan N generally pays the remaining Medicare-approved Part B coinsurance. However, the policyholder may owe:
- Up to $20 for certain office visits
- Up to $50 for an emergency-room visit that does not result in an inpatient admission
- Medicare Part B excess charges when legally permitted
Pennsylvania prohibits healthcare practitioners from billing Medicare beneficiaries above the Medicare-approved amount for Medicare-covered services received within Pennsylvania. Consequently, the lack of excess-charge coverage is generally not a concern when a Plan N policyholder receives Medicare-covered care in Pennsylvania.
Pennsylvania’s protection applies to where the medical service is received. Someone receiving care in another state should ask whether the provider accepts Medicare assignment.
For a complete explanation of the coverage, visit our Medicare Supplement Plan N page.
HealthSpring Medicare Supplement Plan G in Pennsylvania
HealthSpring Plan G may appeal to someone who wants more predictable Medicare-approved medical expenses and does not want Plan N’s potential office and emergency-room copays.
After the annual Medicare Part B deductible is satisfied, Plan G generally covers the remaining Medicare-approved Part B coinsurance. It also covers Medicare Part B excess charges.
Plan G does not cover the annual Medicare Part B deductible for someone who became eligible for Medicare on or after January 1, 2020.
Whether Plan G or Plan N offers the better value depends on the premium difference and the applicant’s preferences. A higher Plan G premium may provide greater predictability, while Plan N may provide meaningful premium savings in exchange for limited cost-sharing.
Learn more on our Plan G vs Plan N in Pennsylvania page.
How Much Do HealthSpring Medicare Supplement Plans Cost?
There is no single HealthSpring Medicare Supplement premium that applies to every Pennsylvania resident.
Your actual premium can depend on:
- Your age
- Your residential ZIP code
- Your sex, where permitted in the company’s rating
- Your tobacco status
- The Medicare Supplement plan selected
- Your household-discount eligibility
- Your requested coverage date
- The insurance company’s current approved rates
- Any application, policy or membership fee
- Your selected payment method
Every company should be quoted using the same applicant information and effective date. Otherwise, one policy may appear less expensive merely because the quotes were prepared using different assumptions.
Are HealthSpring Medicare Supplement Rates Competitive in Pennsylvania?
HealthSpring may offer competitive Medicare Supplement rates for many Pennsylvania applicants, particularly for Plan N. That does not mean HealthSpring will be the lowest-priced company for every person or ZIP code.
A meaningful comparison must use the applicant’s actual information. Advertising one example premium without explaining its assumptions can create an inaccurate impression of what another applicant will pay.
The DeAngelis Agency compares HealthSpring with other companies using identical applicant information so the premiums, discounts and fees can be evaluated fairly.
Does HealthSpring Offer Medicare Supplement Discounts?
HealthSpring advertises Medicare Supplement premium discounts, but eligibility, percentage amounts and availability can vary by state and applicant.
Depending on the applicable Pennsylvania policy and current company rules, discounts may involve:
- Living with another qualifying adult
- The relationship between household members
- How long the household members have lived together
- Whether more than one person purchases coverage
- The applicant’s payment method
- The method used to complete the application
Living with another adult does not automatically guarantee a discount. Every personalized quote should state which discounts have been included and what must be done to retain them.
Does HealthSpring Plan G or Plan N Use a Provider Network?
A standard HealthSpring Medicare Supplement Plan G or Plan N does not use a private insurance-company provider network.
Policyholders can generally receive Medicare-covered care from any doctor or hospital nationwide that accepts Original Medicare. The HealthSpring Medicare Supplement policy normally follows Medicare’s claim decision.
Your choice of Medicare Supplement company does not ordinarily determine which Medicare-participating physicians or hospitals you can use. A more expensive Plan G or Plan N does not purchase a larger Original Medicare provider network.
Medicare SELECT policies are an exception and can have provider requirements. Confirm whether a quoted policy is a standard Medicare Supplement policy or a Medicare SELECT policy before enrolling.
How Does HealthSpring Compare With Other Medicare Supplement Companies?
HealthSpring should be compared with other companies offering the same Medicare Supplement plan letter.
For example, every standard Plan N provides the same basic medical benefits. The meaningful differences generally involve:
- The monthly premium
- The complete first-year cost
- Household and payment discounts
- Application or policy fees
- Medical-underwriting requirements
- Customer service
- Financial strength
- Available rate history
Paying a higher premium for a standard Plan N does not provide additional basic Plan N medical benefits. However, price should not necessarily be the only consideration when selecting an insurance company.
When Can You Enroll in a HealthSpring Medicare Supplement?
Your six-month Medicare Supplement Open Enrollment Period generally begins when you are at least 65 and enrolled in Medicare Part B.
During this protected period, an insurance company cannot deny an eligible Medicare Supplement application or charge a higher premium because of the applicant’s health conditions.
Certain applicants may also have a guaranteed-issue right because they lost qualifying coverage or experienced another protected situation.
Outside an open-enrollment or guaranteed-issue period, HealthSpring may require medical underwriting. The company may review health history, prescriptions and answers to medical questions before approving or declining the application.
The October 15 through December 7 Medicare Annual Enrollment Period does not create a new annual Medicare Supplement Open Enrollment Period.
Can You Change From Another Company to HealthSpring?
You may apply to replace an existing Medicare Supplement policy with HealthSpring during the year. However, approval may require medical underwriting unless you have a protected enrollment right.
Before cancelling existing coverage:
- Submit the HealthSpring application
- Answer all application questions accurately
- Wait for the underwriting decision
- Confirm the approved premium
- Confirm the effective date
- Review all discounts and fees
- Keep the existing policy active until the replacement is approved
Never cancel an existing Medicare Supplement policy merely because a replacement application has been submitted.
How to Apply for a HealthSpring Medicare Supplement in Pennsylvania
A HealthSpring application generally requires personal and Medicare information so the company can determine eligibility, premium and any applicable underwriting requirements.
Information commonly needed includes:
- Your legal name and residential address
- Your date of birth
- Your Medicare number
- Your Medicare Part A and Part B effective dates
- Your requested policy effective date
- Your current insurance information
- Your tobacco-use information
- Your household-discount information
- Your preferred payment method
- Health information when medical underwriting applies
Applying through an independent Medicare broker does not ordinarily increase the Medicare Supplement premium. The insurance company determines the approved rate.
The DeAngelis Agency can explain the plans, compare current premiums, determine whether underwriting may apply and help complete the application.
The Bottom Line on HealthSpring Medicare Supplement Plans
HealthSpring can be a strong Medicare Supplement option for Pennsylvania applicants when its premium, discounts and underwriting compare favorably with other available companies.
HealthSpring Plan N may be especially attractive to applicants seeking lower premiums and who are comfortable with limited cost-sharing. Plan G may appeal to people who prefer more predictable Medicare-approved expenses after paying the annual Part B deductible.
The right decision cannot be made from the company name alone. The dependable approach is to compare HealthSpring with other companies using the same plan letter, applicant information and effective date.
Frequently Asked Questions
Is HealthSpring a good Medicare Supplement company?
HealthSpring can be a good Medicare Supplement choice when its premium, discounts and underwriting requirements compare favorably with other companies. Its standard Plan G and Plan N benefits are determined by the plan letter.
Is HealthSpring the same as Cigna Medicare?
HealthSpring is the Medicare brand for the Medicare business HCSC purchased from The Cigna Group. It is the successor brand for that acquired Medicare business but is no longer owned by The Cigna Group.
Who issues HealthSpring Medicare Supplement policies in Pennsylvania?
HealthSpring currently identifies HealthSpring Insurance Company as the insurer issuing its Medicare Supplement policies in Pennsylvania. Applicants should confirm the legal issuing company shown on their application and policy.
Does HealthSpring offer Plan N in Pennsylvania?
HealthSpring offers Medicare Supplement Plan N where available. Current availability and applicant eligibility should be confirmed before applying.
Does HealthSpring offer Plan G in Pennsylvania?
HealthSpring offers Medicare Supplement Plan G where available. Plan G covers most Medicare-approved cost-sharing after the annual Part B deductible has been satisfied.
How much does a HealthSpring Medicare Supplement cost?
The premium depends on factors that can include age, ZIP code, sex, tobacco status, chosen plan, household-discount eligibility and requested effective date.
Does HealthSpring offer a household discount?
Discounts may be available, but qualification requirements and discount amounts can vary. A personalized quote should show whether a discount has been included.
Does HealthSpring Plan N use a provider network?
A standard HealthSpring Plan N does not use a private HealthSpring provider network. Policyholders can generally use any provider nationwide that accepts Original Medicare.
Can I change to HealthSpring during the year?
You may apply during the year, but medical underwriting can apply unless you have an open-enrollment, guaranteed-issue or other protected enrollment right.
Does using an independent broker increase my HealthSpring premium?
No additional broker fee is ordinarily added to your Medicare Supplement premium. The insurance company determines the approved premium.
Related Medicare Topics
- Is HealthSpring the Same as Cigna Medicare?
- What Happened to Cigna Medicare Supplement Plans?
- Medicare Supplement Plan N
- Medicare Supplement Plan G
- Plan G vs Plan N in Pennsylvania
- Best Medicare Supplement Plans in Pennsylvania
- How Does a Medicare Broker Get Paid?
Related Local Pages
- Best Medicare Broker in Bucks County, PA
- Best Medicare Broker in Montgomery County, PA
- Best Medicare Broker in Philadelphia County, PA
- Best Medicare Broker in Chester County, PA
- Best Medicare Broker in Delaware County, PA
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