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Older Pennsylvanians

If you’re 65 or older and a resident of Pennsylvania, you have several different choices for continuing your care in your retirement years. You‘re also protected by state and federal regulations that monitor health care coverage for the elderly. Here are some of the plans and programs available to you:


Medicare is a federal government program that provides medical coverage for senior citizens age 65 or older, or individuals under age 65 with certain disabilities. Coverage includes:

  • Part A: Hospitalization
  • Part B: Medical services
  • Part C: Privately run Medicare Advantage Plans that cover Parts A and B and provide additional benefits
  • Part D: Prescription drugs

Get more information about Medicare by visiting Medicare.gov.  Or visit the APPRISE website for more information. APPRISE is a free, state-based health insurance counseling program designed to help older Pennsylvanians with Medicare.



Medigap plans are private insurance plans you can purchase to “fill in the gaps” in traditional Medicare and pay for certain out-of-pocket expenses. Medigap, also called Medicare Supplement, “wraps around” Medicare coverage. You may not purchase Medigap coverage if you have a Medicare Advantage Plan (Medicare Part C). To read more information about Medigap, download our guide.

Want to find out which Pennsylvania Medigap plan is right for you? View the table below, which shows the benefits included in each of the standard Medigap Plans.


Find a Medigap insurance company in Pennsylvania.

Long-Term Care Plans

You may be healthy now, but it’s still a good idea to think about what type of Long-Term Care you may need down the road. Medicare doesn’t completely cover long-term care, so you may want to consider a Long-Term Care plan, which can give you the peace of mind of knowing you are covered should you need care at home or in an assisted living facility. Contact your licensed insurance agent to find an insurance company that sells Long-Term Care Insurance or download our Long-Term Care GlossaryLong-Term Care Questionnaire, and Long-Term Care Insurance Guide for more information.

Or, find a Long-Term Care insurance company that offers plans in Pennsylvania.

Choosing a Continuing Care Retirement Community

As an older adult, you have many choices when it comes to where you will live during your retirement years. Will you stay in your current home? Downsize to one-level living or a condo?

One choice that has increased in popularity in recent years is a Continuing Care Retirement Community (CCRC). CCRCs offer you the opportunity to live in the same community throughout your retirement years, even as your needs may change.

Most CCRCs offer a tiered approach: independent living, assisted living and skilled nursing care.

Choosing a Continuing Care Retirement Community is a big decision. Our guide is designed to help you and your family understand more about CCRCs and provide information as you make the choice that’s best for you.  Get more advice and tips by downloading our guide

Find a Community

Need to locate a Continuing Care Retirement Community in your area? Click here for an alphabetical list of facilities in Pennsylvania or search by county.

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