CDPHP Medicare Supplement Plans in New York
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| MedicareWire Rating: | |
|---|---|
| A.M. Best Rating: | n/a |
| A.M. Best Outlook: | - |
| S&P Rating: | n/a |
| Established: | 2009 |
| NAIC Number: | 47027 |
| Policy Fee: | $25.00 |
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Which Supplemental Medicare Plans does CDPHP sell in New York?
Capital District Physicians' Health Plan (CDPHP) writes 4 of the standardized New York Medicare supplemental insurance plans. Each Medigap plan offers a different range of coverage (see Comparison Chart or check out our Review). Here's a quick look at CDPHP's offering:
Community Rated Medigap Plans: When a plan is "Community Rated" the community will all be charged the same monthly premium if enrolled in the same plan. As an example, if you enroll at age 65 or 72 you would be charged the same amount. Premiums will increase, but your age will not be a factor.
Plan Benefits Comparison Chart
The following table shows the coverage benefits you get with of each Medicare supplemental plan offered by CDPHP:
Medigap Plan Benefits
| Benefits | A | B | F | N |
|---|---|---|---|---|
 Part A Deductible | No | Yes | Yes | Yes |
| Part A Co-insurance | Yes | Yes | Yes | Yes |
| SNF Co-insurance | No | No | Yes | Yes |
| Part B Deductible | No | No | Yes | No |
| Part B Co-insurance | Yes | Yes | Yes | Yes |
| Excess Charges | No | No | Yes | No |
| Foriegn Travel | No | No | 80% | 80% |
| Out-of-Pocket Limits | No | No | No | No |
REVIEW: CDPHP Medicare Supplements in New York
CDPHP scored 3.0 out of 5.0 based on our scoring method. CDPHP has a good Plan F rate (top 10), and they have been servicing Medicare Supplements for 11 years, but their A.M. Best financial rating is unknown or not great. Plus, they charge a policy fee. Consequently, we cautiously recommend this carrier to New York seniors. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- Highly competitive Plan F premium.
- More than 10 years in the Medicare Supplements business.
Cons
- Unknown financial strength (no A.M. Best rating).
- Does not offer Medicare SELECT plans.
- Does not offer the 5 most popular plans.
- Charges a fee to write the policy.
About This Review
We reviewed CDPHP's Medigap plan offering in New York versus all other carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.
