You have a wide range of Medicare and other senior health insurance options available to you in Rockland County. To make shopping easier, use the navigation links below to show specific plan types. Click here to learn more about your Medicare 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.
Rockland 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 Rockland County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
In addition to regional Medicare insurance options, you must match your most important doctor (generally your primary care physician) with a plan. Tens of thousands of doctors don't treat Medicare patients, and those that do don't accept all types of Medicare payment. Some only work with Medicare directly, some only work with specific Medicare Advantage plans, and some do both.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Rockland County
If you're concerned that Original Medicare might be too expensive (you pay 20% of all costs), then a Rockland County Medicare Advantage plan is the first option you need to explore. It's the private health insurance alternative that replaces your Medicare Part A and Part B benefits with a managed care plan (HMO or PPO), or a private fee-for-service plan (available in limited areas).
For most Rockland County seniors cost is a factor, so let's talk about it. You have plans as low as $37.20 per month and some as high as $147.10 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 5 plans that give you prescription drug coverage and 1 that don't include it.
Plans are not all the same, and there are several common types, including Private Fee-for-Service (PFFS), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO). Some areas also offer one or more Medical Savings Account (MSA) plans, but they are rare. HMO and PPO plans are by far the most common.
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 Rockland 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).
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the New York state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in Rockland County
In addition to no out-of-pocket limits, Original Medicare does not cover your prescription medications. It covers medications you need while hospitalized as an inpatient, but for outpatient care you must pay all costs or enroll in a New York Medicare Part D plan (PDP) to get cost assistance.
There are a total of 7 PDPs available to New York seniors. Premiums range from $37.90 to $105.90 per month. Also, be aware that some plans have an annual deductible that you must pay at the pharmacy before assistance begins. Some plans have a $0 deductible, but premiums are generally higher.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Rockland County, New York
We've recently added all Rockland 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 Blauvelt, Congers, Garnerville, Haverstraw, Monsey, Nanuet, New City, Nyack, Orangeburg, Palisades, Pearl River, Piermont, Pomona, Sloatsburg, Sparkill, Spring Valley, Stony Point, Suffern, Tallman, Tappan, Thiells, Tomkins Cove, Valley Cottage, West Haverstraw, West Nyack, and surrounding areas.
This page was last updated on: 11/12/2014.