Medicare Insurance Plans in New York
Find the Right Medicare Coverage in New York
Medicare can feel overwhelming, especially with so many plan choices available in New York. At Henderson Insurance, we help New Yorkers compare Medicare options, understand their coverage, and enroll in the plan that best meets their health and financial needs. Whether you’re turning 65, transitioning from employer coverage, or reviewing plans during Open Enrollment, our licensed Medicare Insurance Agents NY simplify the Medicare process for you.
Guidance for the right Medicare plan.
Find Your Medicare plan.
We do not offer every Medicare plan available in your area. Currently, we represent many organizations that offer products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information for all of your options.
Why Choose Henderson Insurance for Medicare in New York?
- PERSONALIZED SERVICE – We focus on matching you with insurance options that suit your lifestyle. We consider key factors like your preferred doctors, required medications, budget, and any extra benefits you need.
- LONG-TERM SUPPORT – As Medicare rules and plans continue to evolve and change over time, rest assured that we will be here to thoroughly review your options. We are committed to making necessary adjustments whenever needed to ensure you have the best coverage possible.
Medicare Plan Options in New York
Original Medicare (Parts A & B)
Covers hospital stays (Part A) and outpatient/medical services (Part B). Leaves gaps such as deductibles, coinsurance, and limited drug coverage.
Medicare Advantage (Part C)
A variety of private plans are available as alternatives to Original Medicare. Most New York Advantage plans include prescription drug coverage and additional benefits such as dental, vision, hearing, fitness, and transportation services. The availability of these plans varies by county, with more options in urban areas like New York City, Long Island, and Westchester compared to rural regions in upstate New York.
Medicare Supplement Insurance (Medigap)
Covers out-of-pocket expenses not covered by Original Medicare. In New York, beneficiaries enjoy continuous open enrollment for Medigap policies, allowing them to apply year-round without undergoing medical underwriting. This distinctive feature makes Medigap more accessible in New York compared to many other states.
Medicare Prescription Drug Plans (Part D)
Stand-alone Part D plans help pay for prescriptions. Formularies and costs vary, so reviewing your medications each year is important.
Who Qualifies for Medicare in New York?
You are eligible for Medicare if you:
- Are 65 or older, a U.S. citizen or legal resident.
- Are under 65 with qualifying disabilities.
- Have ESRD or ALS.
New York also offers expanded protections for Medicare enrollees, including guaranteed access to Medigap policies.
Medicare Enrollment Periods in New York
- Initial Enrollment Period (IEP): 7 months around your 65th birthday.
- Annual Enrollment Period (AEP): October 15 – December 7.
- Medicare Advantage Open Enrollment: January 1 – March 31 for those in Advantage plans.
- Special Enrollment Periods (SEPs): Triggered by moves, loss of coverage, or other qualifying events.
Local New York Medicare Resources
New York has state programs and resources to help Medicare beneficiaries:
- HIICAP (Health Insurance Information, Counseling & Assistance Program): Free, unbiased counseling available in every NY county. (aging.ny.gov)
- Elderly Pharmaceutical Insurance Coverage (EPIC): A New York State program that helps eligible seniors pay for prescription drugs. (health.ny.gov)
- New York State Medicaid: For low-income residents who qualify for both Medicare and Medicaid (dual eligibility). (health.ny.gov)
- Extra Help (Low-Income Subsidy): A federal program that helps with prescription drug costs.
Cost & Plan Comparisons in New York
- Most New Yorkers have access to $0-premium Medicare Advantage plans, though benefits and networks differ by county.
- Medigap premiums are generally higher than in many states, but New York’s continuous enrollment protections increase access and flexibility.
- EPIC provides prescription savings that can reduce overall healthcare costs significantly for eligible residents.
Get Local Help Choosing a Medicare Plan in New York
If you’re looking for Medicare insurance in New York, Henderson Insurance is here to help. Our licensed agents will:
- Compare Medicare Advantage, New York Medigap Plans, and Part D options available in your county.
- Make sure your doctors and prescriptions are covered.
- Guide you through Medicare Enrollment New York and keep you informed year after year.
Call us today at 252-275-3579 to speak with a Medicare Insurance Agent or request a free consultation online to review your New York Medicare options.
Medicare by City/County in New York
We serve Medicare beneficiaries throughout the state, including:
- New York City (Bronx, Brooklyn, Manhattan, Queens, Staten Island)
- Long Island (Nassau & Suffolk Counties)
- Westchester County
- Albany County / Capital Region
- Buffalo / Erie County
- Rochester / Monroe County
- Syracuse / Onondaga County
Guidance for the right Medicare plan.
Find Your Medicare plan.
We do not offer every Medicare plan available in your area. Currently, we represent many organizations that offer products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information for all of your options.