Explore Comprehensive Medicare Supplement Plans (Medigap) in New York Today
Discover the full range of Medicare Supplement (Medigap) plans available in New York, designed to enhance your Original Medicare coverage. Understand plan options, benefits, and how to choose the best fit for your healthcare needs.
Medicare Supplement Insurance, commonly known as Medigap, is additional coverage offered by private insurers approved by Medicare. These plans are designed to help cover out-of-pocket expenses that Original Medicare (Part A and Part B) may not fully cover, including copayments, coinsurance, and deductibles.
To be eligible to purchase a Medigap plan, you must be enrolled in Original Medicare.
Key Medicare Terms Explained
- Out-of-pocket costs: Expenses you pay directly when Medicare does not cover the full amount, such as premiums, deductibles, coinsurance, and copayments.
- Premium: The monthly fee you pay for your Medicare or Medigap coverage.
- Deductible: The yearly amount you pay before Medicare starts to pay for services.
- Coinsurance: The percentage of healthcare costs you pay after meeting your deductible, typically 20% for Medicare Part B services.
- Copayment: A fixed fee for specific services or prescriptions under Medicare.
Medigap Plan Options in New York
New York residents have access to all 10 standardized Medigap plans, each identified by letters A through N. While the benefits for each plan are consistent nationwide, premiums may differ depending on the insurer.
Note that Plans C and F are only available to individuals who were eligible for Medicare before January 1, 2020. Insurance companies cannot offer these plans to new Medicare beneficiaries after this date.
Leading insurers providing Medigap plans in New York include:
- Aetna
- Excellus Health Plan
- Globe Life Insurance Company of New York
- Humana Insurance Company of New York
- Mutual of Omaha
- UnitedHealthcare Insurance Company of New York
» Learn more about Medigap plans
Detailed Comparison of Medigap Coverage
Below is a summary of the benefits covered by each Medigap plan available in New York:
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F |
|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 days after Medicare benefits) | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes |
| Part A hospice care coinsurance or copayment | Yes | Yes | Yes | Yes | Yes |
| Skilled nursing facility care coinsurance | No | No | Yes | Yes | Yes |
| Part A deductible | No | Yes | Yes | Yes | Yes |
| Part B deductible | No | No | Yes | No | Yes |
| Part B excess charges | No | No | No | No | Yes |
| Foreign travel emergency (up to plan limits) | No | No | 80% | 80% | 80% |
| Out-of-pocket limits | None | None | None | None | None |
| Benefit | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 days after Medicare benefits) | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | 50% | 75% | Yes | Yes |
| Blood (first 3 pints) | Yes | 50% | 75% | Yes | Yes |
| Part A hospice care coinsurance or copayment | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing facility care coinsurance | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | No | No | No | No | No |
| Part B excess charges | Yes | No | No | No | No |
| Foreign travel emergency (up to plan limits) | 80% | No | No | 80% | 80% |
| Out-of-pocket limits | None | $7,220 in 2025 | $3,610 in 2025 | None | None |
» Explore how to choose the right Medigap plan
Medigap Pricing Insights for New York Residents
Medigap monthly premiums vary by insurance provider and personal factors such as age, gender, health condition, and the timing of plan enrollment. The Medicare online tool is a valuable resource to compare available plans and their costs in your area.
Below is an overview of typical premium ranges for Medigap plans in New York. Remember, these premiums are in addition to your Medicare Part B monthly premium, which you must pay separately.
Factors influencing Medigap premiums include:
- Age of the enrollee
- Gender
- Health status at the time of purchase
- Enrollment period
| Medigap Plan | Estimated Monthly Premium Range |
|---|---|
| Plan A | $191 - $292 |
| Plan B | $222 - $459 |
| Plan C | $276 - $435 |
| Plan D | $275 - $427 |
| Plan F | $301 - $647 |
| Plan G | $252 - $570 |
| Plan K | $95 - $153 |
| Plan L | $204 - $223 |
| Plan M | $252 - $416 |
| Plan N | $237 - $500 |
» Find out more about Medigap costs and savings
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