New York Medicare: Medicare Advantage Plans in New York (NY)

Medicare Advantage Plans in New York

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What Are the Medicare Advantage Plans in New York?

If you’re a resident of New York and you’re about to turn 65, you’ve probably begun thinking about Medicare enrollment. Understandably, a government program like Medicare can be complicated to navigate. That’s why SelectQuote is here to help you explore your healthcare options, including Medicare Advantage plans.

Quicker than a New York minute, we’ll help break it all down. Medicare Part A covers medical insurance and Medicare Part B covers doctor’s office insurance. Medicare Advantage Plans, also known as Medicare Part C, offer at least the same level of coverage as Medicare Parts A and B, are sold by private insurance companies, are approved by Medicare and often include additional benefits.

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Am I Eligible for a Medicare Advantage Plan in New York?

There are two basic criteria used for determining eligibility for a Part C plan. The first is if you’re already eligible for Medicare Parts A and B. The second is if you live in a county or zip code where Medicare Advantage plans are sold. If you meet these two criteria, you are eligible for Medicare Advantage. Copayments, coinsurance and deductibles vary depending on the Medicare plan in which you enroll.

New York residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement plan helps cover some of the gaps in coverage like copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by New York Medicare Advantage Plans?

New York residents looking for prescription drug coverage should consider a Medicare Part C plan, as some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage plan with prescription drug coverage is called a MAPD plan.

Most Popular Medicare Advantage Plans in New York

Finding the right Medicare Advantage plan in New York is as unique as the person the plan is for. As reported by the Centers for Medicare & Medicare Services (CMS.gov), among New York residents who are enrolled in Medicare Advantage, 53% choose an HMO/HMOPOS plan while 38% choose a Local PPO. Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in New York for your needs and budget.

You can become more informed about Medicare Advantage plans available in New York by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help find a plan that meets your individual needs and budget.

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When is the New York Medicare Advantage Enrollment Period?

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in New York opens for residents prior to turning age 65 or earlier for those younger and with certain conditions. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a New York resident with a January birthday, your IEP runs from October through April.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, New York residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, New York residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a New York Medicare Advantage Plan Right for You?

If you’d like to learn more about the available Medicare Advantage plans in New York, SelectQuote can help. We can determine if you’re getting all the benefits you can and also help you stay up-to-date on the changes insurance companies make to Medicare plans each year. As a trusted independent third-party company specializing in helping consumers understand their Medicare options, SelectQuote is here to help you find the right Medicare Advantage plan in New York to meet your specific needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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