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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 may 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 age 65 or older 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 medical underwriting, higher monthly premiums, or exclusion from complete 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.
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 may determine its 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. You may want to 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.