Medicare Supplement Plans – NY

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.

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.
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 $2370. Afterwards, 100% coverage with 0% co-share.
new york Medicare supplement premium lookup

New York State Department of Financial Services offers a helpful online tool [click here] to compare Medicare Supplement plan premiums by Plan Code and insurance company in your county.

Q: So if every Plan F offers the same coverage, why is there a difference in the monthly premium between the different insurance companies?

A: Claims experience. A simplified example: If Company X has a large pool of clients with a diverse mix of health conditions, an increase in medical claims is spread around the pool. On the other hand, if Company Z has a smaller pool of clients with a high percentage of expensive claims, those costs get spread over a smaller group and premiums are higher.

new york medicare supplement insurance carriers

DGAlcorn & Associates Agent Advisors are licensed and appointed to represent several insurance companies offering Medicare Supplement plans in New York State including, in alphabetical order:

AARP / UnitedHealthcare [download enrollment kit]
BlueShield of Northeastern NY [download application]
Empire BlueCross [download application]
Globe Life [download application]
Humana

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.

Medigap Inquiry Form (NY Only)
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Agent Request (in alphabetical order) *