Don't let all of the Medicare health insurance options in Suffolk County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you are looking for more information about your options click here.
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.
Suffolk County Medicare Insurance Options
Traditional Medicare coverage – that's Part A and Part B – are not based on where you live in Suffolk County or New York. This is not true of Medicare Part C and Part D, or Medigap plans. Private Medicare insurance is regional, and costs and availability vary widely.
As if all of the various health insurance options aren’t confusing enough, you also need to make sure your doctor accepts the insurance you want, or find a doctor that does. Some doctors only work through insurance networks, while others treat patients with Original Medicare (and Medicaid). Some doctors do both.
Our goal is to help you find all of the information you need to narrow your plan options to a small number so you can get on the phone with licensed adviser and make your final election for the year. In our experience, people who take a little more time investigating their options generally have better results with their healthcare.
Medicare Advantage Insurance in Suffolk County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Suffolk 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 5 Medicare Advantage plans with prescription coverage and 0 without prescription coverage (Medicare Part D) in Suffolk County. Monthly premiums range from $22.90 to $158.00.
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
Are you aware that Medicare Advantage has an annual out-of-pocket spending limit? This feature, called the Maximum Out-of-Pocket (MOOP) expense, is what safeguards you from the threat of high medical bills. Each year the Centers for Medicare and Medicaid Services (CMS) sets the maximum and an alternative minimum MOOP that plans may offer, so be sure to look for it when comparing your health insurance options.
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 Suffolk County
If you like the flexibility of being able to see any doctor you choose, but you're concerned about paying 20% of all your medical bills, the solution is Medicare Supplement insurance. Commonly called Medigap, supplemental Medicare insurance helps pay your share of the Medicare costs.
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.
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 Suffolk 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.
You have a variety of options available to you throughout New York. This year there are a total of 7 prescription drug plans available, each with its own formulary. Monthly premiums start at just $37.90 and go up to $105.90 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
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 Suffolk County, New York
We've recently added all Suffolk 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 Amagansett, Amityville, Aquebogue, Babylon, Bay Shore, Bayport, Bellport, Blue Point, Bohemia, Brentwood, Bridgehampton, Brightwaters, Brookhaven, Calverton, Center Moriches, Centereach, Centerport, Central Islip, Cold Spring Harbor, Commack, Copiague, Coram, Cutchogue, Deer Park, East Hampton, East Islip, East Moriches, East Northport, East Quogue, East Setauket, Eastport, Farmingville, Greenlawn, Greenport, Hampton Bays, Hauppauge, Holbrook, Holtsville, Huntington, Huntington Station, Islandia, Islip, Islip Terrace, Kings Park, Lake Grove, Lindenhurst, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Melville, Middle Island, Miller Place, Montauk, Moriches, Mount Sinai, Nesconset, North Babylon, Northport, Oakdale, Patchogue, Peconic, Port Jefferson, Port Jefferson Station, Quogue, Ridge, Riverhead, Rocky Point, Ronkonkoma, Sag Harbor, Sagaponack, Saint James, Sayville, Selden, Shelter Island, Shirley, Shoreham, Smithtown, South Jamesport, Southampton, Southold, Speonk, Stony Brook, Wading River, Wainscott, Water Mill, West Babylon, West Islip, West Sayville, Westhampton, Westhampton Beach, Wyandanch, Yaphank, and surrounding areas.
This page was last updated on: 11/12/2014.