Medicare and Medigap help in Pittsburgh, Pennsylvania

Many Pittsburgh retirees come from steel, manufacturing, healthcare and education careers that included union or employer retiree coverage, which must be coordinated with Medicare. Allegheny County's surrounding counties can also have different plan options. We help Pittsburgh residents compare choices by phone or video.

Union and employer retiree coverage

Some retiree plans require Part B and stop if you enroll in an individual Medicare Advantage or Part D plan. Ask your plan administrator before changing anything.

Networks in Allegheny County

Doctors and hospitals in the Pittsburgh area may be in some plans' networks and not others. Check each provider you rely on rather than assuming.

Medicare Supplement (Medigap) in Pittsburgh

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 Allegheny County

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

  • Will switching plans affect my union retiree benefits? It can. Some retiree benefits end permanently if you enroll in another plan. Confirm with your union or plan administrator first.
  • Does RGI Group have an office in Pittsburgh? No. Our only office is in Austin, Texas. Pittsburgh 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.