Compare the Best Medigap Plans in New York for 2025
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If you’re a New York resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in New York. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in New York that fits both your financial and healthcare needs has never been easier.
This page provides an overview of the leading New York Medicare Supplement plans and insurance companies available in 2025.
Top 3 Best Medigap Plans in New York for Comprehensive Coverage
For Medicare enrollees in New York, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.
Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in New York.
Medigap Plan F in New York
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in New York
Medigap Plan G in New York
For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.
Required Benefits of Plan G in New York
Medigap Plan N in New York
Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.
Required Benefits of Plan N in New York
Average Costs for Medigap Plans in New York
In New York, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in New York
Several factors play a role in determining the cost of Medicare Supplements in New York. These include:
- Age: As you get older, your premiums may rise.
- Gender: Premium rates can vary by gender, with women often paying slightly less.
- Tobacco Use: If you use tobacco, expect to pay higher premiums.
- Location: Your location within New York can also influence your premium, as costs differ by region.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
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Compare All Medicare Supplement Plans in New York
If you want to see how all Medicare Supplement Insurance plans sold in New York stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in New York and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in New York
Enrolling in a Medigap plan in New York requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
If you're ready to get Medicare Supplement coverage, here are the steps to get started:
- Review Your Options: Take a look at the Medigap plans available in New York and find the one that fits your healthcare needs and budget.
- Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
- Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.
For more details on Medigap enrollment, visit our Medigap Enrollment Guide.
Common Questions About Medigap Plans in New York
What’s the difference between Medigap and Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.
Is it possible to switch Medigap plans?
Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.
Do Medigap plans cover medications?
No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.
What out-of-pocket expenses should I expect with Medigap?
You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023