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Medicare Supplement Plans in New York

Information on Medicare Supplement plans in New York

If you are enrolled in Medicare Part A and Part B you have the option to also enroll in a Medicare Supplement (Medigap) plan in New York that helps cover costs that Original Medicare will not cover. These types of costs include copayments, coinsurance, deductibles, and other out-of-pocket expenses. In most states, including New York, there are ten standardized Medigap plan options that are each labeled with the letters A through N. Same-lettered plans offer the same benefits regardless of location or carrier.

While a Medicare beneficiary already enrolled in Medicare Part B can enroll in a Medicare Supplement plan in New York at any time after age 65, the best time to do so is during the six-month Medigap Open Enrollment Period (OEP). The OEP begins on the first day of the month that you are both over the age of 65 and enrolled in Medicare Part B. During this six-month period, you have the guaranteed issue right to enroll in any plan of your choosing, without fear of coverage restrictions, higher monthly premiums, or exclusion from coverage.

However, if you choose to enroll after the OEP, you may be required to submit a medical history for underwriting purposes, and could be denied or charged more for coverage due to any pre-existing conditions.

Statistics about Medicare Supplement plans in New York

Below are a few interesting statistics about Medicare Supplement plan enrollment in New York:

  • There were 18 companies offering Medigap plans in New York in 2013.
  • All 10 plan types were available in New York, as well as one high-deductible plan.
  • Many companies require a waiting period of up to six months before pre-existing conditions are covered under the Medigap plan.
  • The monthly premium for a Medigap Plan F in New York in 2013 ranged from approximately $135 to $425.
  • The monthly premium for a Medigap Plan C in 2013 in New York ranged from around $175 to $400.

Comparing Medicare Supplement plans in New York

As previously mentioned, Medicare Supplement plans in New York do not vary in coverage or benefits between plans of the same letter. However, each independent insurance company offering Medicare Supplement plans can determine their own monthly premium structure. Thus, an identical Medicare Supplement plan for a certain cost in one county may cost more or less in another county. It is recommended that you compare all Medicare Supplement plans in New York available to you, and make a selection based on your health needs and your budget.

We can help you start your comparison of Medicare Supplement plans in New York today. Simply enter your zip code at the top of this web page and we will provide a customized list of Medigap plans and their carriers available to you in your area.

Data provided by the New York Department of Financial Services.

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Medicare has neither reviewed nor endorsed this information.