In our complementary Medicare 101 educational webinars, we discuss the difference between Medicare Advantage (Part C) and Medicare Supplement Medigap plans in New York. They are very different. This page covers Medicare Supplement plans.
When you choose to have Original Medicare Parts A and B as your primary coverage, you can add a Medicare Supplement, often called Medigap to cover i) the Parts A and B deductible and ii) the Part B 20% co-share amounts.
Medicare Supplement plans provide the same coverage nationwide. However, click here and learn more about how the eligibility rules for New Yorkers are more favorable than in many other states.
In the federal Medicare Supplement Guide you will learn the plans are standardized throughout the US. At DGAlcorn & Associates, our clients have most frequently enrolled in one of the following plans:
|Plan F||Highest premium. You pay $0 deductible / 0% co-share. (Available only to individuals eligible for Medicare before January 1, 2020)|
|Plan G||Lower premium. You pay the Part B deductible.|
|Plan N||Lower premium. You pay the Part B deductible and an office visit copay.|
|High Deductible||Lowest premium. You pay the Parts A and B deductible and 20% co-share up to the maximum of $2700 in 2023. After that your plan covers 100% of the Parts A and B co-share.|
New York State Department of Financial Services (DFS) offers a helpful online tool [click here] to compare Medicare Supplement plan premiums by Plan Code and insurance company in your county.
new york medicare supplement insurance carriers
Using the DFS link above, you will see several insurers offering various plans in your county. Your DGAlcorn & Associates licensed Agent Advisors are authorized to represent several of those insurance companies including, in alphabetical order:
Empire BlueCross [download application]
Globe Life Insurance [download application] [Form 2] and [Form 3]
Humana [[request enrollment form from your local agent advisor ]
UnitedHealthcare (AARP Program)
>> [download application – effective dates through January 2023 ]
>> [download application – effective dates February – December 2023]
Click here for information on Medicare Supplement plans available in Massachusetts.
Use the form below to contact an agent advisor for further discussion and assistance with your plan selection and enrollment. After you click the blue submit button, you will see a confirmation page while your agent advisor is being notified to contact you by telephone or email.