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Medigap Plans
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New York
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CDPHP

CDPHP Medicare Supplement Plans in New York

CDPHP Medigap Plans in New York

This page contains editorial content that is not endorsed or approved by Capital District Physicians' Health Plan (CDPHP)[2]. This is not a solicitation of insurance.

Contact the Plan
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

For plan assistance, call 1-855-266-4865
or get your Free Medicare Supplement Rate Comparison via Email (learn more).

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:

Plans Offered by CDPHP

Plan TypePremium[3]Rating TypeEffective
Medigap Plan A$170.54Community RatedAugust 01, 2017
Medigap Plan B$231.72Community RatedAugust 01, 2017
Medigap Plan F$336.45Community RatedAugust 01, 2017
Medigap Plan N$185.94Community RatedAugust 01, 2017

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.

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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

BenefitsABFN
Medicare Part A Deductible Part A DeductibleNoYesYesYes
Medicare Part A Co-insurance Part A Co-insuranceYesYesYesYes
Medicare SNF Co-insurance SNF Co-insuranceNoNoYesYes
Medicare Part B Deductible Part B DeductibleNoNoYesNo
Medicare Part B Co-insurance Part B Co-insuranceYesYesYesYes
Medicare Part B Excess Charges Excess ChargesNoNoYesNo
Foriegn Travel Emergency Coverage Foriegn TravelNoNo80%80%
Annual Out-of-Pocket Limit Out-of-Pocket LimitsNoNoNoNo
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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.

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Competition vs. CDPHP Plan F

Plan F is the most popular plan sold by CDPHP in New York. The table below gives you an idea of rates by the top ten vs. CDPHP.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
CDPHP$336.45$25.00☆☆☆☆☆
AARP$234.75None☆☆☆☆☆
Humana$274.35None☆☆☆☆☆
Globe Life$291.00None☆☆☆☆☆
HIP$317.87None☆☆☆☆☆
BlueCross BlueShield of Western New York$368.92None☆☆☆☆☆
Mutual of Omaha$382.53None☆☆☆☆☆
State Farm$400.94None☆☆☆☆☆
Bankers Life and Casualty Company$469.06None☆☆☆☆☆
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Contact CDPHP Medigap Sales

Sales:855-220-5228
Website:https://www.cdphp.com/
Address:PO Box 5251, Binghamton, NY 13902

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Compare Plan Options

The average New York senior compares three or more plan options before making an enrollment decision.

Eligibility

CDPHP Medicare Supplements are available to all New York beneficiaries, ages 65 and older, who are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by CDPHP. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

CDPHP services Medicare supplement insurance in Buffalo, Niagara Falls, Rochester, Albany, Schenectady, Troy, Syracuse, Yonkers, New Rochelle, Mount Vernon, Utica, Binghamton, New York, and most other New York cities. Visit the CDPHP Medicare page for more information.

Related Topics

  • Do I Need Supplemental Insurance If I Have Medicare?
  • Can I Change Medicare Supplement Plans Anytime?
  • What is the Average Cost of Supplemental Insurance for Medicare?

On this page our goal is to help consumers: Compare CDPHP Medigap plans in NY with all supplemental Medicare insurance. Read reviews and find lowest prices on Plan F, G and N. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on January 27, 2021.

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Chief Petty Officer David Bynon re-enlisting 15 September 2001.

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