Medicare and Medigap help in Harrisburg, Pennsylvania

As the state capital, Harrisburg has many state and public-employee retirees whose retiree health benefits interact with Medicare. Residents of Cumberland and Perry counties across the river may see different plan options. We help Harrisburg-area residents compare choices by phone or video.

Public retiree coverage

Some public retiree programs require Part B and offer their own Medicare plans. Leaving them can be permanent, so confirm with your retirement system before enrolling elsewhere.

Across the Susquehanna

Camp Hill and Mechanicsburg are in Cumberland County, not Dauphin. Check which county your address is in before comparing plans.

Medicare Supplement (Medigap) in Harrisburg

In Pennsylvania, your six-month Medigap Open Enrollment Period starts when you are 65 and enrolled in Part B. Ask each company whether it prices by issue age, attained age or community rating.

Medicare Advantage and Part D in Dauphin County

Medicare Advantage and Part D plans are offered by county service area, so options in Harrisburg can differ from neighboring counties. The 2027 Annual Enrollment Period runs October 15 through December 7, 2026; your Initial Enrollment Period around age 65 is separate.

Help with costs

Pennsylvania's PACE and PACENET programs, Medical Assistance, Medicare Savings Programs and Extra Help may lower costs for eligible residents. The state or Social Security decides eligibility, not an agent.

Questions to ask before you choose

  • Is my Harrisburg address in Dauphin County for plan purposes?
  • Are my doctors and pharmacy in the plan's network?
  • Does Medigap with Part D or a Medicare Advantage plan fit me better?
  • Do I qualify for any program that lowers my costs?

Frequently asked questions

  • Do state retirees need Medigap? Not always. If your retiree plan already coordinates with Medicare, a separate supplement may not be needed. Review your retiree options first.
  • Does RGI Group have an office in Harrisburg? No. Our only office is in Austin, Texas. Harrisburg residents are served by phone or video by an agent licensed in Pennsylvania.

Important notice

  • Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
  • We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (PA MEDI) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
  • RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in Pennsylvania. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.