Medicare and Medigap help in Philadelphia, Pennsylvania

Philadelphia has a large Medicare population, including many residents who qualify for Medical Assistance and a sizable Puerto Rican and Spanish-speaking community. Many also see doctors in Delaware, Montgomery or Bucks counties, or across the river in New Jersey. We help Philadelphians compare Medicare options by phone or video, in English or Spanish.

Care across county and state lines

If your doctors are in the suburbs or New Jersey, confirm they are in a plan's network before choosing Medicare Advantage. Original Medicare works with any provider that accepts Medicare.

Medical Assistance and PACE

Lower-income Philadelphians may qualify for Medical Assistance, a Medicare Savings Program or PACE. Applying is separate from choosing a plan, and we can explain where to start.

Medicare Supplement (Medigap) in Philadelphia

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 Philadelphia County

Medicare Advantage and Part D plans are offered by county service area, so options in Philadelphia 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 Philadelphia address in Philadelphia 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

  • Can I get Medicare help in Spanish in Philadelphia? Yes. RGI Group offers Medicare consultations in Spanish and English by phone or video.
  • Does RGI Group have an office in Philadelphia? No. Our only office is in Austin, Texas. Philadelphia 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.