How do you find the best New York Medicare Supplement Plans? In this guide, we’ll walk you through how to compare plans and find the best value when shopping for New York Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in New York
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Aetna, Blue Cross Blue Shield, Mutual of Omaha, Cigna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans for New York
How much will you pay for your New York Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can New York residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare New York Medicare Supplements
It is important to know that even though the coverage for New York Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing New York Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
New York Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same New York Medicare Supplement Insurance Coverage.
Medigap Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, 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.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help New York Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer New York Medigap coverage.
Be an informed buyer and comparison shop your New York Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
New York Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in New York that I serve. Click here if you’re looking for other Medicare Supplement states.
Accord Adams village Adams Center Addison village Afton village Airmont village Akron village Albany Albertson Albion village Alden village Alexander village Alexandria Bay village Alfred village Allegany village Almond village Altamont village Altmar village Altona Amagansett Amenia Ames village Amityville village Amsterdam Andes village Andover village Angelica village Angola village Angola on the Lake Antwerp village Apalachin Aquebogue Arcade village Ardsley village Argyle village Arkport village Arlington Armonk Asharoken village Athens village Atlantic Beach village Attica village Auburn Aurora village Au Sable Forks Averill Park Avoca village Avon village Babylon village Bainbridge village Baiting Hollow Baldwin Baldwin Harbor Baldwinsville village Ballston Spa village Balmville Bardonia Barker village Barneveld village Barnum Island Batavia Bath village Baxter Estates village Bay Park Bayport Bay Shore Bayville village Baywood Beacon Beaverdam Lake-Salisbury Mills Bedford Bellerose village Bellerose Terrace Belle Terre village Bellmore Bellport village Belmont village Bemus Point village Bergen village Bethpage Big Flats Big Flats Airport Billington Heights Binghamton Black River village Blasdell village Blauvelt Bloomfield village Bloomingburg village Blue Point Bohemia Bolivar village Boonville village Brasher Falls-Winthrop Brentwood Brewerton Brewster village Brewster Hill Briarcliff Manor village Bridgehampton Bridgeport Bridgewater village Brighton Brightwaters village Brinckerhoff Broadalbin village Brockport village Brocton village Bronxville village Brookhaven Brookville village Brownville village Brushton village Buchanan village Buffalo Burdett village Burke village Cairo Calcium Caledonia village Callicoon Calverton Cambridge village Camden village Camillus village Canajoharie village Canandaigua Canaseraga village Canastota village Candor village Canisteo village Canton village Cape Vincent village Carle Place Carmel Hamlet Carthage village Cassadaga village Castile village Castleton-on-Hudson village Castorland village Cato village Catskill village Cattaraugus village Cayuga village Cayuga Heights village Cazenovia village Cedarhurst village Celoron village Centereach Center Moriches Centerport Central Islip Central Square village Central Valley Centre Island village Champlain village Chappaqua Chateaugay village Chatham village Chaumont village Cheektowaga Cherry Creek village Cherry Valley village Chester village Chestnut Ridge village Chittenango village Churchville village Clarence Center Clark Mills Claverack-Red Mills Clayton village Clayville village Cleveland village Clifton Springs village Clinton village Clintondale Clyde village Cobleskill village Coeymans Cohocton village Cohoes Cold Brook village Cold Spring village Cold Spring Harbor Colonie village Commack Congers Constableville village Constantia Cooperstown village Copake Lake Copenhagen village Copiague Coram Corfu village Corinth village Corning Cornwall on Hudson village Cortland Cortland West Country Knolls Cove Neck village Coxsackie village Cragsmoor Croghan village Crompond Croton-on-Hudson village Crown Heights Crugers Cuba village Cumberland Head Cutchogue Dannemora village Dansville village Deer Park Deferiet village Delanson village Delevan village Delhi village Delmar Depauville Depew village Deposit village Dering Harbor village DeRuyter village Dexter village Dix Hills Dobbs Ferry village Dolgeville village Dover Plains Dresden village Dryden village Duane Lake Duanesburg Dundee village Dunkirk Earlville village East Atlantic Beach East Aurora village Eastchester East Farmingdale East Garden City East Glenville East Greenbush East Hampton village East Hampton North East Hills village East Islip East Ithaca East Kingston East Marion East Massapequa East Meadow East Moriches East Nassau village East Northport East Norwich East Patchogue Eastport East Quogue East Randolph village East Rochester village East Rockaway village East Shoreham East Syracuse village East Williston village Eatons Neck Eden Edwards village Elba village Elbridge village Ellenville village Ellicottville village Ellisburg village Elma Center Elmira Elmira Heights village Elmont Elmsford village Elwood Endicott village Endwell Esperance village Evans Mills village Fabius village Fair Haven village Fairmount Fairport village Fairview CDP (Dutchess County) Fairview CDP (Westchester County) Falconer village Farmingdale village Farmingville Farnham village Fayetteville village Fire Island Firthcliffe Fishers Island Fishkill village Flanders Fleischmanns village Floral Park village Florida village Flower Hill village Fonda village Forest Home Forestville village Fort Ann village Fort Drum Fort Edward village Fort Johnson village Fort Montgomery Fort Plain village Fort Salonga Frankfort village Franklin village Franklin Square Franklinville village Fredonia village Freeport village Freeville village Frewsburg Friendship Fulton Fultonville village Gainesville village Galeville Galway village Gang Mills Garden City village Garden City Park Garden City South Gardiner Gardnertown Gasport Gates-North Gates Geneseo village Geneva Germantown Ghent Gilbertsville village Gilgo-Oak Beach-Captree Glasco Glen Cove Glen Head Glen Park village Glens Falls Glens Falls North Glenwood Landing Gloversville Golden’s Bridge Gordon Heights Goshen village Gouverneur village Gowanda village Grand View-on-Hudson village Granville village Great Bend Great Neck village Great Neck Estates village Great Neck Gardens Great Neck Plaza village Great River Greece Greene village Green Island village Greenlawn Greenport village Greenport West Greenvale Greenville CDP (Greene County) Greenville CDP (Westchester County) Greenwich village Greenwood Lake village Groton village Hagaman village Halesite Hamburg village Hamilton village Hammond village Hammondsport village Hampton Bays Hampton Manor Hancock village Hannibal village Harbor Hills Harbor Isle Harriman village Harris Hill Harrison village Harrisville village Hartsdale Hastings-on-Hudson village Hauppauge Haverstraw village Haviland Hawthorne Head of the Harbor village Hempstead village Heritage Hills Herkimer village Hermon village Herricks Herrings village Heuvelton village Hewlett Hewlett Bay Park village Hewlett Harbor village Hewlett Neck village Hicksville High Falls Highland Highland Falls village Highland Mills Hillburn village Hillcrest Hillside Hillside Lake Hilton village Hobart village Holbrook Holland Holland Patent village Holley village Holtsville Homer village Honeoye Falls village Hoosick Falls village Hopewell Junction Hornell Horseheads village Horseheads North Houghton Hudson Hudson Falls village Hunter village Huntington Huntington Bay village Huntington Station Hurley Ilion village Interlaken village Inwood Irondequoit Irvington village Islandia village Island Park village Islip Islip Terrace Ithaca Jamesport Jamestown Jamestown West Jefferson Heights Jefferson Valley-Yorktown Jeffersonville village Jericho Johnson City village Johnstown Jordan village Kaser village Keeseville village Kenmore village Kensington village Kerhonkson Kinderhook village Kings Park Kings Point village Kingston Kiryas Joel village Lackawanna Lacona village La Fargeville Lake Carmel Lake Erie Beach Lake George village Lake Grove village Lake Katrine Lakeland Lake Luzerne-Hadley Lake Mohegan Lake Placid village Lake Ronkonkoma Lake Success village Lakeview Lakewood village Lancaster village Lansing village Larchmont village Lattingtown village Laurel Laurel Hollow village Laurens village Lawrence village Leeds Leicester village Le Roy village Levittown Lewiston village Liberty village Lido Beach Lima village Lime Lake-Machias Limestone village Lincolndale Lincoln Park Lindenhurst village Lisle village Little Falls Little Valley village Liverpool village Livingston Manor Livonia village Lloyd Harbor village Lockport Locust Valley Lodi village Long Beach Lorenz Park Lowville village Lynbrook village Lyncourt Lyndonville village Lyon Mountain Lyons village Lyons Falls village Macedon village McGraw village Madison village Mahopac Malden Malone village Malverne village Malverne Park Oaks Mamaroneck village Manchester village Manhasset Manhasset Hills Manlius village Mannsville village Manorhaven village Manorville Marathon village Marcellus village Margaretville village Mariaville Lake Marlboro Massapequa Massapequa Park village Massena village Mastic Mastic Beach Matinecock village Mattituck Mattydale Maybrook village Mayfield village Mayville village Mechanicstown Mechanicville Medford Medina village Medusa Melrose Park Melville Menands village Meridian village Merrick Mexico village Middleburgh village Middle Island Middleport village Middletown Middleville village Milford village Millbrook village Miller Place Millerton village Mill Neck village Millport village Milton CDP (Saratoga County) Milton CDP (Ulster County) Mineola village Minetto Mineville-Witherbee Minoa village Mohawk village Monroe village Monsey Montauk Montebello village Montgomery village Monticello village Montour Falls village Mooers Moravia village Moriches Morris village Morrisonville Morristown village Morrisville village Mount Ivy Mount Kisco village Mount Morris village Mount Sinai Mount Vernon Munnsville village Munsey Park village Munsons Corners Muttontown village Myers Corner Nanuet Napanoch Napeague Naples village Narrowsburg Nassau village Natural Bridge Nedrow Nelliston village Nelsonville village Nesconset Newark village Newark Valley village New Berlin village Newburgh New Cassel New City Newfane Newfield Hamlet New Hartford village New Hempstead village New Hyde Park village New Paltz village Newport village New Rochelle New Square village New Suffolk New Windsor New York New York Mills village Niagara Falls Nichols village Niskayuna Nissequogue village Niverville Norfolk North Amityville Northampton North Babylon North Ballston Spa North Bay Shore North Bellmore North Bellport North Boston North Collins village Northeast Ithaca North Great River North Haven village North Hills village North Hornell village North Lindenhurst North Lynbrook North Massapequa North Merrick North New Hyde Park North Patchogue Northport village North Sea North Syracuse village North Tonawanda North Valley Stream Northville village Northville North Wantagh Northwest Harbor Northwest Ithaca Norwich Norwood village Noyack Nunda village Nyack village Oakdale Oakfield village Ocean Beach village Oceanside Odessa village Ogdensburg Olcott Old Bethpage Old Brookville village Old Field village Old Westbury village Olean Oneida Oneida Castle village Oneonta Orangeburg Orange Lake Orchard Park village Orient Oriskany village Oriskany Falls village Ossining village Oswego Otego village Otisville village Ovid village Owego village Oxford village Oyster Bay Oyster Bay Cove village Painted Post village Palatine Bridge village Palenville Palmyra village Panama village Parc Parish village Patchogue village Pattersonville-Rotterdam Junction Pawling village Peach Lake Pearl River Peconic Peekskill Pelham village Pelham Manor village Penn Yan village Perry village Perrysburg village Peru Phelps village Philadelphia village Philmont village Phoenicia Phoenix village Piermont village Pike village Pine Bush Pine Hill Pine Plains Pittsford village Plainedge Plainview Plandome village Plandome Heights village Plandome Manor village Plattekill Plattsburgh Plattsburgh West Pleasant Valley Pleasantville village Poestenkill Point Lookout Poland village Pomona village Poquott village Port Byron village Port Chester village Port Dickinson village Port Ewen Port Henry village Port Jefferson village Port Jefferson Station Port Jervis Port Leyden village Portville village Port Washington Port Washington North village Potsdam village Poughkeepsie Preston-Potter Hollow Prospect village Pulaski village Putnam Lake Quioque Quogue village Randolph village Ransomville Rapids Ravena village Red Creek village Redford Red Hook village Red Oaks Mill Redwood Remsen village Remsenburg-Speonk Rensselaer Rensselaer Falls village Rhinebeck village Richburg village Richfield Springs village Richmondville village Richville village Ridge Rifton Ripley Riverhead Riverside village Riverside Rochester Rock Hill Rockville Centre village Rocky Point Rome Ronkonkoma Roosevelt Roscoe Rosendale Village Roslyn village Roslyn Estates village Roslyn Harbor village Roslyn Heights Rotterdam Round Lake village Rouses Point village Rushville village Russell Gardens village Rye Rye Brook village Sackets Harbor village Saddle Rock village Saddle Rock Estates Sagaponack Sag Harbor village St. Bonaventure St. James St. Johnsville village Salamanca Salem village Salisbury Saltaire village Sand Ridge Sands Point village Sandy Creek village Saranac Lake village Saratoga Springs Saugerties village Saugerties South Savona village Sayville Scarsdale village Schaghticoke village Schenectady Schoharie village Schuylerville village Scotchtown Scotia village Scotts Corners Scottsville village Sea Cliff village Seaford Searingtown Selden Seneca Falls village Seneca Knolls Setauket-East Setauket Sharon Springs village Shelter Island Shelter Island Heights Shenorock Sherburne village Sherman village Sherrill Shinnecock Hills Shirley Shokan Shoreham village Shortsville village Shrub Oak Sidney village Silver Creek village Silver Springs village Sinclairville village Skaneateles village Sleepy Hollow village Sloan village Sloatsburg village Smallwood Smithtown Smyrna village Sodus village Sodus Point village Solvay village Sound Beach Southampton village South Corning village South Dayton village South Fallsburg South Farmingdale South Floral Park village South Glens Falls village South Hempstead South Hill South Huntington South Lockport South Nyack village Southold Southport South Valley Stream Spackenkill Speculator village Spencer village Spencerport village Springs Spring Valley village Springville village Staatsburg Stamford village Stannards Star Lake Stewart Manor village Stillwater village Stone Ridge Stony Brook Stony Point Stottville Suffern village Sylvan Beach village Syosset Syracuse Tannersville village Tappan Tarrytown village Terryville Theresa village Thiells Thomaston village Thornwood Tillson Tivoli village Tonawanda Tonawanda Town Line Tribes Hill Troy Trumansburg village Tuckahoe Tuckahoe village Tully village Tupper Lake village Turin village Tuxedo Park village Unadilla village Uniondale Union Springs village Unionville village University Gardens Upper Brookville village Upper Nyack village Utica Vails Gate Valatie village Valhalla Valley Cottage Valley Falls village Valley Stream village Van Etten village Vernon village Verplanck Victor village Victory village Village Green Village of the Branch village Viola Voorheesville village Waddington village Wading River Wainscott Walden village Walker Valley Wallkill Walton village Walton Park Wampsville village Wantagh Wappingers Falls village Warrensburg Warsaw village Warwick village Washington Heights Washingtonville village Waterford village Waterloo village Watermill Watertown Waterville village Watervliet Watkins Glen village Waverly village Wayland village Webster village Weedsport village Wellsburg village Wellsville village Wesley Hills village West Babylon West Bay Shore Westbury village West Carthage village West Elmira West End Westfield village West Glens Falls Westhampton Westhampton Beach village West Hampton Dunes village West Haverstraw village West Hempstead West Hills West Hurley West Islip Westmere West Nyack Weston Mills West Point West Sand Lake West Sayville West Seneca Westvale West Winfield village Wheatley Heights Whitehall village White Plains Whitesboro village Whitney Point village Williamsville village Williston Park village Wilson village Windham Windsor village Wolcott village Woodbury Woodmere Woodridge village Woodsburgh village Woodstock Wurtsboro village Wyandanch Wynantskill Wyoming village Yaphank Yonkers Yorkshire Yorktown Heights Yorkville village Youngstown village Zena