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Best Medicare Plans in New York

You’re eligible for some of the best Medicare plans in New York once you turn 65. If you receive social security benefits within four months of your 65th birthday, you will receive automatic Medicare enrollment once you turn 65. You may also qualify due to a disability or end-stage renal disease at any age. Beneficiaries in New York first sign up for Original Medicare insurance, which includes Medicare Part A and Part B.

Medicare Part A is hospital care. New York beneficiaries receive all included benefits without paying premiums. The coverage includes some or all of your treatment through the following medical facilities:

  • Hospitals
  • Critical-access hospitals
  • Skilled nursing facilities
  • Hospice
  • Home healthcare

When beneficiaries pay for skilled nursing care with Medicare in New York, it’s limited to short-term treatment. Benefits for hospice and home healthcare are also limited. You may need to meet special criteria to qualify for ongoing treatment in any type of medical facility.

Medicare Part B is the insurance that New York beneficiaries use when seeing a primary care doctor or specialist. You will likely pay a premium for this coverage. You don’t have to sign up for this portion of Original Medicare insurance if you already have private health insurance through an employer or other reliable sources. You may have to pay a late-enrollment fee that is added to your monthly premium for the rest of your life, so it’s best to sign up within your 65th year.

Enrollment Statistics for Medicare in New York

  • In 2017, there were close to 3.5 million Original Medicare beneficiaries in New York. Most beneficiaries were enrolled in Part A and Part B.
  • Less than 20 percent of New York beneficiaries were disabled in 2017. Most beneficiaries were enrolled due to age.
  • Of all 2017 New York Medicare beneficiaries, approximately 1.3 million were also enrolled in Medicare Advantage plans or Medicare supplement plans.

Best Types of Medicare Plans in New York

  • Medicare Supplement Plans in New York– Also known as Medigap plans, supplemental Medicare plans in New York are designed to cover the out-of-pocket expenses left by Original Medicare insurance. Monthly premiums take the place of deductibles, copayments, coinsurance and overage charges to simplify healthcare for beneficiaries. You can enroll in Medigap/Medicare Supplement insurance with an authorized insurance company after you’re enrolled in Original Medicare Part A and Part B.
  • Medicare Advantage Plans in New York – Also known as Medicare Part C, New York Medicare Advantage policies are designed to replace your Original Medicare insurance. Coverage includes all Part A benefits plus primary care and specialist benefits. The best plans will also offer prescription drug coverage, vision care, wellness programs and other added insurance perks that may attract a new beneficiary seeking comprehensive Medicare plans in New York. HMO plans are popular and are usually cheap, but you will be restricted to choosing health care providers in the provider network service area with these plans. You can also look into a PPO or other Advantage plan. You can only sign up for these plans during certain times of the year or during Special Enrollment Periods, such as if your existing insurance company doesn’t do a contract renewal of its Medicare contract.
  • Medicare Prescription Drug Plans in New YorkMedicare Part D is the prescription drug coverage for beneficiaries receiving Original Medicare in New York. Whether you need to sign up for this part or not depends on your choice of Medicare plans in New York. When you compare Advantage plans online, you may notice higher rates for those that include Part D plans with prescription drug benefits. Medigap plans don’t include Medicare Part D prescription drug plans. You may need to pay the Medicare Part D late enrollment penalty if you don’t sign up during your Medicare Initial Enrollment Period.
  • Special Needs Plans (SNP) – If you qualify for Medicare in New York and are diagnosed with a specific medical condition, you may also qualify for enrollment in a special needs plan. It’s important to compare plans because rates may vary as with all options for Medicare in New York.
  • Dual Eligible – If you’re eligible for both Medicare and Medicaid, you can take advantage of low-cost healthcare as a dual eligible Medicare beneficiary.

New York Medicare Resources

You might still have a lot of questions about the Medicare program and your plan options. You could be curious about what Medicare benefits you can enjoy after signing up, or you could be wondering what you need to do to sign up for coverage.

For a complete description of benefits that you can enjoy with your Medicare coverage, information about the Medicare Part B premium and other extra help, you can get started with these resources:

Once you know a little more about Medicare and have signed up, you could be hoping to sign up for a plan that will help you reduce healthcare costs. Many people sign up for health plans instead of relying on Medicare for stand-alone coverage, and we want to help.

Calling each different insurance company to compare insurance plans can be time-consuming and overwhelming. You can call us and speak to an experienced insurance agent about all of your options at one time. Then, you can reduce out of pocket costs and enjoy a plan from a company with high star ratings.

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