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Medicare Advantage Plans in New York

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Are you a Medicare beneficiary in New York, or learning about Medicare to plan ahead? Either way, it might be useful to get a quick rundown on some of your Medicare coverage options.

When you turn 65 or qualify by disability, you’ll typically become eligible for Medicare if you’re an American citizen or qualified legal permanent resident of at least five continuous years. You may qualify for Medicare before 65 through disability or having certain health conditions, such as Lou Gehrig’s disease or end-stage renal disease. If you’re automatically enrolled, as many beneficiaries are if they’re already receiving retirement benefits when they turn 65, you’re enrolled in Original Medicare, Part A and Part B. You can also manually sign up for Medicare during certain periods.

About Medicare Advantage plans in New York

But you may have other options besides staying with Original Medicare in New York (as in other states). There’s a program called Medicare Advantage (also known as Medicare Part C) that lets you receive your Medicare Part A and Part B benefits through a private, Medicare-approved insurance company. Medicare Advantage plans don’t include hospice care, but that care is still covered under Medicare Part A even when you’re enrolled in a Medicare Advantage plan.

Medicare Advantage plans often offer benefits beyond Medicare Part A and Part B, such as routine dental or vision care. Many include prescription drug coverage.

Medicare Advantage plans in New York with prescription drug coverage

Many Medicare Advantage plans also cover prescription medications. These are called Medicare Advantage Prescription Drug plans. Each of these plans maintains its own formulary (list of covered prescription drugs), so you may want to make sure any plan you consider covers your prescription medications as you shop for a plan. The formulary may change at any time. You will receive notice from your plan when necessary.

Medicare Advantage Prescription Drug plans combine both health and prescription drug coverage so you can get all your Medicare benefits in a single plan. However, you’re still enrolled in Medicare when you have any type of Medicare Advantage plan, and you must continue paying your Medicare Part B monthly premium, along with any premium the Medicare Advantage plan may charge.

There are certain time periods when you can enroll in a Medicare Advantage plan; in most cases you can do so when you’re first eligible for Medicare (among other times). If you enroll in a Medicare Advantage Prescription Drug plan when you’re first eligible for Medicare, you can avoid a possible Medicare Part D late-enrollment penalty. Medicare Part D is prescription drug coverage. Although it’s optional, if you don’t sign up for prescription drug coverage (such as a Medicare Advantage Prescription Drug plan) when you’re first eligible, you may pay a penalty if you decide to get this coverage later.

Shop around and compare Medicare Advantage plans in New York

Before selecting a Medicare Advantage plan, you might care to shop around and compare available plan options in your part of New York. Plan cost and availability may differ depending on your county of residence. It is also worth noting that some Medicare Advantage plans could have different monthly premiums from one county to another. Some plans may offer plans with monthly premiums as low as $0, but keep in mind that the premium typically represents only a portion of a plan’s total costs – consider the copayments, coinsurance, deductible, and out-of-pocket maximum amounts as well.

You can start comparing Medicare Advantage plan options in New York right now. Simply enter your zip code in the form on this page, and we will show you a customized list of plans available to you now in your area. You can also enter your current prescription drug names to help narrow your search.

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