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Medicare Plans in New York

When people finally reach an age when they can be officially called ‘seniors,’ they deserve nothing but a life full of comforts, free from any financial strains, and be equipped with well-rounded social benefits.

But even after meticulous financial planning and diligent spending, a single excessive medical bill can quickly lead to bankruptcy, and many people stay indebted their entire lives for this very reason. With the rising healthcare costs in the US, we’ve seen this scenario repeat itself way too often, where many senior citizens and individuals with disabilities are paying exorbitant out-of-pocket expenses and being left with nothing.

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Medical debt isn’t limited to any single demographic group but happens commonly all across the US, affecting people with chronic ailments and those with disabilities.

Many surveys reveal that approximately more than 16 million adults in the US owe $1,000 in medical debt, while 3 million people owe more than $10,000.

This is why the US government initiated the Medicare health insurance program to give people a chance to have a comfortable retirement without facing any financial troubles during a medical emergency.

This reliable health insurance plan covers a wide range of medical expenses for millions of US citizens nationwide. You become automatically enrolled in the Medicare health insurance program once you reach the age of 65. Younger people also qualify for Medicare if they have received at least 24 disability benefits from the Railroad Retirement Board, have ALS, or have undergone renal failure.

With this adequate health coverage plan, you never have to worry about spending your lifelong savings or reaching the brink of bankruptcy at the time of a health emergency again.

If you’re unsure about which Medicare health insurance plan to sign up for, our AHIP-certified Medicare insurance agents are here to help! At Integrity Now Insurance Brokers, we prioritize your health, and we make sure to go the extra mile to help you streamline reliable health insurance policies that will help you live a debt-free and stress-free life. With our access to numerous A-rated Medicare health insurance agencies, you are in safe hands. Get in touch with our independent Medicare insurance brokers right away by giving us a call, and we will provide you with all the necessary details that you need.


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A Quick Guide on the Different Medicare Options Available in New York

Original Medicare

One of the most reliable Medicare options for the people of New York, the Original Medicare consists of two parts – Part A and Part B.

Part A provides coverage for hospital services like in-patient treatments, lab tests, skilled nursing facilities, and hospice care.

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Whereas Part B offers coverage for outpatient care, doctor’s appointments, mental health services, in-home care, partial hospitalization, and certain medical equipment.

The Original Medicare Part A and Part B only cover 80% of the total medical expenses. This is why many Medicare beneficiaries in New York opt for secondary healthcare plans like Medigap to get adequate coverage for whatever isn’t covered in the Original Medicare plan.

Medicare Part C – (Medicare Advantage)

Many people in New York prefer to get enrolled in Medicare Part C or Medicare Advantage plans, which are funded by private insurance agencies. Numerous private insurers have Medicare contracts and combine Part A and Part B coverage plans into a single policy.

This healthcare plan consists of the same benefits as the Original Medicare. Still, it has added benefits like coverage for prescription drugs (Part D), vision, dental, hearing, gym memberships, and other health and wellness support programs.

New York’s Medicare Advantage program offers four different types of plans:

Health Maintenance Organization (HMO)

The HMO is a collective of medical healthcare providers who provide coverage for medical treatments by physicians and hospitals that work on their terms and conditions. HMOs mandate their subscribers to only opt for in-network providers to receive their healthcare benefits.

  • You require a primary care physician to approve treatments and medicines
  • You will also require a specialty referral
  • Most of their policies cover prescription medications
  • Prescription drug coverage cannot be purchased separately
  • You will pay less if you choose in-network healthcare providers

Preferred Provider Organization (PPO)

The PPOs offer a network of recommended providers that their subscribers can opt for without paying any extra premiums.

  • A primary care provider and a specialty referral are not required
  • Drug coverage is included in most policies
  • Drug coverage cannot be purchased separately
  • There are expensive premiums and charges for out-of-network providers


Private Fee-For-Service (PFFS)

This healthcare plan is offered by State-licensed organizations that agree to the terms and conditions of Medicare & Medicaid Services.

For this healthcare plan:

  • You do not require a primary care provider or a specialty referral
  • Drug coverage is usually included but can also be purchased separately
  • You will have to pay higher premiums if you choose an out-of-network provider

Special Needs Plan (SNP)

SNPs are only available for people with specific chronic diseases and characteristics. This treatment plan is specifically designed for those people who have special needs and requirements.

  • A primary care provider and a specialty referral are required
  • Plans include drug coverage
  • You can join this plan at any time if you meet the eligibility criteria

There are many different options included in Medicare Advantage, with several coverage plans that aren’t a part of Original Medicare. When selecting a Medicare Advantage plan, make sure to consider the plan’s premiums, copayments, and coinsurance to subscribe to a plan that is best suited to your financial situation.

Browse through the Medicare Hope website to find out more about Medicare Advantage plans in New York. You can also contact our Medicare Agents to check out all the Medicare Advantage plans available in your region.

An elderly couple smiling and standing together outdoor.

Medicare Supplemental Health Insurance – Medigap in New York

Since the Original Medicare Part A and Part B only cover 80% of the total medical expenses, people in New York also have the option to sign up for the supplemental healthcare plan called Medigap, which pays for the leftover 20% of the coinsurance.

Medigap, also known as Medicare Supplement, is a comprehensive healthcare plan that provides adequate coverage for everything that isn’t covered in Original Medicare. This set of health insurance policies is labeled from A to N.

Private insurance agencies that provide Medigap coverage must adhere to federal regulations because each state’s insurance commissioner governs these policies.

You can only sign up for this secondary healthcare plan if you’re already enrolled in the Original Medicare plan. You become eligible for Medigap if:

  • You’ve been diagnosed with amyotrophic lateral sclerosis (ALS)
  • You’re 65 years old or older
  • You’re receiving disability benefits from Social Security or the Railroad Retirement Board
  • You’ve been diagnosed with end-stage renal disease(ESRD)

How do Medigap Insurers Set Their Premiums in New York?


Issue Age Rating

This approach depends on the enrollee’s age at the time they apply. Enrolment premiums are less costly for people who are under 65 than for people over the age of 80. The overall rates may be affected due to inflation and other reasons but never because of the enrollee’s age.

Attained-age Rating

Most insurance companies prefer using this approach to calculate premiums. The person’s premiums become higher as they get older. These premiums are less costly for younger buyers.

Community Rating

The premiums are not affected by age in this method. Eight states in the US mandate this approach, but insurers tend to avoid it.

Most insurance companies like to use the issue-age rating, while others use the attained-age rating. The attained-age rating is the most prevalent method of calculating premiums unless the state demands it differently.

When signing up for Medicare for the first time, the enrolment process can seem overwhelming due to the number of choices you have. But our Medicare Hope insurance agents aim to simplify things as much as they can and can help you select comprehensive healthcare policies that provide ample coverage for all of your specific needs and requirements.

To learn more about the different Medicare options available in New York, make sure to go through our blog and learn the step-by-step process of applying to Medicare.

Comparing Medicare Advantage Plans in New York

Here are some factors you should consider before enrolling yourself in a Medicare health insurance plan.

Provider Network

Many Medicare programs provide their enrollees with a network of healthcare providers to choose from. You can save a lot of money by opting for an in-network provider since out-of-network providers have higher premiums and extra charges.

Make sure to do proper research and find physicians and hospitals that are a part of their network, so you don’t have to spend an excessive amount on medical bills.

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Amount of Coverage Required

Make a list of all the goals you want to achieve with your healthcare plan. Medicare Advantage and Medigap plans typically offer added benefits like coverage for dental, vision, hearing, and wellness programs that aren’t a part of the Original Medicare Part A and B.

Keep your goals in mind when purchasing a healthcare plan, and choose a plan that fulfills all of them.

Plan Ratings

To compare different plan ratings in your area, make sure to check the Part C and Part D performance data published by the Centers for Medicare & Medicaid Services (CMS) every year.

Out-of-Pocket Max

You’ll be expected to pay for out-of-pocket expenses like copayments, deductibles, and coinsurance. These expenses are a part of most of the Medicare-covered services.

Coinsurance and Copays

Also known as cost-sharing, you’ll be responsible for paying any coinsurance and copays when you exercise your Medicare benefits. Find out how much your insurance plan covers for doctor appointments, treatments, prescription drugs, and other healthcare services.


This is the amount you have to pay before your insurance plan kicks in to pay for any medical treatments. Medicare Advantage plans have a set deductible that usually changes annually.

Drug Coverage

Prescription medicine is expensive, so you want to make sure that the healthcare plan you purchase includes coverage for your medications. Find out if the drugs you’re usually prescribed are mentioned in your plan’s formulary. If not, you can ask your physician if there are any alternatives or generic versions of these drugs that are covered by your plan.

Extra Benefits

Most Medicare Advantage plans cover prescription medications and also include added benefits like vision, dental, and other targeted treatments.

Think about any additional benefits that are necessary for your situation and purchase a plan that covers all of your primary needs.

Freedom to Travel

Medicare insurance plans also enable beneficiaries to travel internationally or domestically and use their Medicare benefits.


Medicare Enrolment in New York

Initial Enrolment

The initial registration period begins three months before and ends three months after your 65th birthday. If you’re already enrolled in a Medicare program, you can use this time period to switch or upgrade your current plan.

General Enrolment

Those who miss the initial enrolment period can sign up for Medicare health insurance during the general enrolment period, which begins January 1st and ends March 31st. During this period, you can enroll in Original Medicare (Part A and B), Medicare Advantage (Part C), Medigap, and Part D (drug coverage) plans.

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Open Enrolment

You get a three-month window from October 15th to December 7th every year, during which you can upgrade your Part C plan.

Special Enrolment

If you lose eligibility for your insurance coverage plan due to any unforeseen circumstances, you may be eligible for a special enrolment period.


an elderly person enrolling for Medicare benefits online

Our Medicare Insurance Agents Can Help You Get the Right Insurance Plan

At Integrity Now Insurance Brokers, our team of highly qualified Medicare insurance agents are annually accredited by the AHIP and are committed to helping you find the most comprehensive health insurance plans at competitive rates.  

Our Medicare insurance brokers have ample experience when it comes to working with senior citizens, youth with disabilities, and other individuals who require Medicare and Medigap plans to get proper coverage for their medical treatments.

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Our insurance agents are well-versed in the dynamics and the complex jargon of the insurance industry. We have helped countless clients land well-rounded healthcare plans and guided them line by line through every insurance policy.

We partner with numerous top-tier Medicare Insurance providers across the US that we carefully selected due to their past stellar records and proven track record.

Give us a call today, and we can help you compare quotes and select Medicare insurance plans that fulfill all of your specific needs and requirements.


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