You have a wide range of Medicare and other senior health insurance options available to you in Onondaga County. To make shopping easier, use the navigation links below to show specific plan types. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Onondaga County Medicare Insurance Options
Medicare Part A (inpatient) and Medicare Part B (outpatient), commonly called Original Medicare, is the same for everyone with Medicare benefits, including Onondaga County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
MedicareWire.com seeks to take as much of the guess work out of selecting Medicare health insurance as possible. Our goal is to help you narrow down your plan options before you get on the telephone with a licensed adviser. We know from experience that an educated healthcare consumer is more often satisfied with the care they receive than those who don't do their homework.
Medicare Advantage Insurance in Onondaga County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Onondaga County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.
There are 3 Medicare Advantage plans with prescription coverage and 2 without prescription coverage (Medicare Part D) in Onondaga County. Monthly premiums range from $0.00 to $238.00.
There are several different type of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Medical Savings Account (MSA). HMO and PPO plans are the most common. We identify the plan type and its benefits on each plan page.
Zero dollar ($0) plans are available in most areas, but not all. Zero dollar does not mean free, it simply indicates that there's no additional monthly premium to enroll. However, you are still required to pay your monthly Part B premium. This is the case with all Medicare Advantage plans.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
About one-third of all seniors on Medicare enroll in a Medicare Advantage plan. You can learn more about this private health insurance option on our Medicare Advantage Frequently Asked Questions page and our Medicare Advantage Coverage page.
Medicare Supplement Insurance in Onondaga County
The only relief New York seniors have from the high cost of medical bills is additional insurance. That's because Original Medicare does not set limits on your annual out-of-pocket expenses. It's a serious risk that you need to consider. If you plan to keep your Original Medicare, the solution is Medicare Supplement insurance (Medigap).
Medigap insurance is available in New York in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Onondaga County
Most New York seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
You have a total of 7 New York PDP options this year. Every year plans change, so be sure to review your choices each Annual Election Period. The low cost plan this year is just $37.90 per month. At the high end, premiums top out at $105.90 per month. If you have regular prescriptions, be sure to compare your needs with a plan's formulary before enrolling.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Onondaga County, New York
We've recently added all Onondaga County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Baldwinsville, Brewerton, Bridgeport, Camillus, Cicero, Clay, East Syracuse, Elbridge, Fayetteville, Jamesville, Jordan, La Fayette, Liverpool, Manlius, Marcellus, Marietta, Minoa, Skaneateles, Skaneateles Falls, Syracuse, Tully, and surrounding areas.
This page was last updated on: 11/12/2014.