More Plan Options
The average New York senior compares three or more plan options before making an enrollment decision.
New York Medigap Plans: What's the Difference?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G, and N. Read on and we'll explain why.
Top 10 Medicare Supplement Plans in New York
Looking for the best Plan F, G or N available to New York seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
New York Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in New York. Here are the 10 best Plan F policies available in New York based on our reviews (click for details):
New York Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among New York seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in New York based on our reviews (click for details):
New York Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many New York seniors. Here are the 10 best Medigap Plan N policies available in New York based on our reviews (click for details):
Best New York Medigap Plan Reviews
We review all major Medigap insurance carriers selling policies in New York. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in New York is based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do Medicare Supplement Plans Cost in New York?
We show estimated monthly premiums for all Medicare Supplement Plans in New York. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Medicare Supplement Plans in New York are Standardized
The New York Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All New York Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the New York Department of Insurance website at http://www.dfs.ny.gov/.
New York Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Still Unsure About How Supplemental Medicare Insurance Works in New York?
One of these article may be what you're looking for:
- What is the difference between Medicare Supplement and Medicare Advantage plans?
- What is the Best Medicare Supplement Insurance Plan?
- Can I get a Medicare supplement plan if you are under 65?
- When can I change my Medicare supplemental insurance plan?
- What is the cheapest Medicare supplement plan?
- Steps to Picking the Right Medicare Supplement Plans
Common Questions About Medigap Plans in New York
Here are some common questions we answer about Medicare Supplement plans in New York.
It's different for everyone who applies. Monthly premiums on New York Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.
You have many options in New York. Here are some of the best:
- Globe Life
- Mutual of Omaha
- Bankers Life and Casualty Company
As a general rule, you can apply for a Medigap plan anytime. However, if you want to protect your guaranteed issue rights you should buy a policy as soon as you are eligible for Medicare Part B benefits. Here's a list of your top choices in New York.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The New York SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in New York. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.