Best Medicare Supplement Plans in New York for 2019

If you are looking for the best Medicare Supplement plans in New York for 2019, you will need to make sure you are enrolled in Medicare Part A and Part B. This is a wise decision because Medicare Supplement insurance plans add to your Medicare benefits. The extra coverage does not necessarily provide you with benefits that Medicare doesn’t already give you, but it will definitely reduce your out-of-pocket costs.

Some of the benefits you could receive from some of the best Medicare Supplement plans in New York for 2019 include payment for the following:

  • Expenses incurred during your travel outside of the country
  • Medicare Part B excess charges
  • Deductibles for Medicare Part A and Medicare Part B
  • Coinsurance for Medicare Part A and Medicare Part B
  • Home health care
  • Skilled nursing facility coinsurance
  • Various Copays

A Medicare beneficiary of Original Medicare receives many services, and some of these include preventive care, mental health care, and ambulance services. This comes from your Medicare Part B coverage, and you need to pay the Medicare Part B deductible to receive payment for these services. You can benefit from a Medigap plan in New York for 2019 because two of these plans cover your Part B deductible.

2019 Medicare Supplement Plans in New York: Enrollment Statistics

The following counties are the top five largest counties in New York:

  • Queens County with 2,230,722 people
  • Kings County with 2,504,700 people
  • New York County with 1,585,873 people
  • Suffolk County with 1,493,350 people
  • Bronx County with 1,385,108 people

The Centers for Medicare and Medicaid Services found that more than 2 million New Yorkers were enrolled in Medicare Part A and Part B in 2017. America’s Health Insurance Plans or AHIP learned that 436,192 citizens in the state purchased Medicare Supplement insurance plans.

How Many Medicare Supplement Plans in New York Are Available for 2019?

A Medigap insurance company can offer you at least 10 Medigap policies. “Medigap” is the name given to the best Medicare Supplement insurance plans in New York because they close the gap between the amount of money Medicare pays and the amount that you are required to pay.

In general, Medicare will pay about 80 percent of your medical costs for covered services. That is great, but it leaves you to pay the remaining 20 percent or the “gap.” Medigap policies pay some of the charges that are left in the gap so that your costs are as low as possible.

The best Medicare Supplement plan in New York will be the one that pays the following costs:

  • Premiums
  • Deductibles
  • Copayments
  • Coinsurance

Because you will purchase Medicare Supplement insurance plans in New York for 2019 from a private insurance company, you will be able to compare the rates that different insurance companies offer you. It is a good idea to ask for several rates from several companies so that you have the best chances of finding a plan that has rates that you can afford.

The best thing to do is compare the rates you receive from as many different plans as are available to you. Then, you will be able to find plans that offer you the most coverage for the lowest rates.

Keep in mind that Medicare Supplement plans in New York do not cover prescription drug plan coverage. If you need prescription drug coverage, you are welcome to purchase one of the Medicare Part D drug plans. These Medicare Part D drug plans are optional.

If you plan to purchase a Medicare Part D plan, you must do so within the enrollment period. Failure to enroll during the enrollment period will cause you to be charged a late enrollment penalty.

Best Medicare Supplement Plans in New York for 2019: When Can I Enroll?

You can enroll in certain Medigap plans in New York during the Medigap open enrollment period. This initial enrollment period starts the month that you turn 65 and enroll in Original Medicare, and it ends six months after that.

It’s also beneficial to enroll during your enrollment period because your insurance company will not be able to refuse to sell you a plan if you are currently experiencing health problems. However, a preexisting limitation may apply -usually for six months.

You and your spouse will not be able to share one Medigap policy; Medigap policies cannot have two beneficiaries.

If you wish to have your medical costs covered that were incurred outside of the country, you may purchase the following Medigap plans:

Keep in mind that you will have to pay a monthly premium for a Medigap plan in New York, but you can search for the lowest premium with the strategy mentioned above.

The best Medicare Supplemental insurance plan in New York for 2019 will come from a company that has a license to sell you a Medigap policy in New York. Before you sign on the dotted line, make sure that the company selling you the plan has a license.

You may have a Medicare Advantage plan to help cover your health care costs but believe that it would be advantageous for you to purchase the best health plan in New York that provides you with more coverage. You must switch back to Original Medicare before you can do this because it is illegal for an insurance agent to sell you a supplemental plan while you have Medicare Advantage.

Note that Medicare Supplement rates in New York differ between insurers for the same levels of benefits, so it is important also to compare companies. These are some top NY insurers that you might want to include in your comparison of Plan G and Plan F:

  • Aetna
  • Bankers Life Insurance Company
  • HealthNow New York Inc.
  • Blue Cross Blue Shield of Western New York
  • Humana
  • Mutual of Omaha
  • Transamerica Financial Life Insurance Company
  • Cigna

New York State Medicare Resources

For more information on Medicare Supplement insurance plans in New York, click on the link below:

Although you can lower your Medicare costs by purchasing a Medigap plan, the costs that you will be expected to pay can still be too much for you. Visit, and you will find resources that will put you in touch with someone who will be able to help you pay those costs.