New York Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with New York Medicare supplemental insurance, provides the best health coverage New York seniors can get. But, which supplement is the right one for you?
This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G, and N. Keep reading 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):
Abour our New York Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in New York. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in New York head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
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.
New York Medigap Plans are Standardized
New York Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in New York offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage 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:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the New York Department of Insurance website at http://www.dfs.ny.gov/.
New York Medicare Supplement Plan Comparison Chart
The following chart offers a quick look at the benefits provided by each standardized 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.
Got questions about Medicare Supplement Insurance in New York?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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.