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Medicare Supplement Guides

Medicare Supplement is offered through a private insurer and helps cover out-of-pocket costs uncovered by Original Medicare.

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Most Medicare beneficiaries purchase a Medigap policy to help them fill their coverage gaps. We'll guide you through everything you need to consider.

How to Choose a Medicare Supplement Plan

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Medigap or Medicare Advantage: Which Is Better for Me?

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Main Differences Between Medigap Plans

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Most Popular Questions About Medicare Supplement

Q: Is Medigap Plan F Going Away?

Medicare Supplement Plan F enrollment ends for good on January 1, 2020. Both regular Plan F and the high-deductible version of Plan F (HDPF) will be affected. With Medigap Plan F going away, Medicare beneficiaries will have fewer options available to them.

Next Best Alternative: Medigap Plan G

After 2020, new Medicare Supplement enrollees will still be able to join Medicare Supplement Plan G. Plan G is almost identical to Plan F. Plan G does not cover your annual Medicare Part B deductible of $183 – otherwise, it’s exactly the same as Plan F, the most popular and comprehensive Medigap plan.

HDPF is a great choice for those who want Plan F’s “full coverage” level of benefits but are confident in their ability to save money on their care. It’s likely that a high-deductible version of Plan G will be available for purchase by 2020. There are no other high-deductible versions of Medigap plans available at this time.

You Can Enroll in Medigap Plan F Now

If you join Medigap Plan F or HDPF by December 31, 2019, you can still keep your Plan F coverage forever. You’ll even be able to switch between different Plan F carriers if you choose.

Since Plan F is the most popular Medigap plan, insurance companies will continue to maintain it for existing customers well into the future. After all, there are still policyholders of other plans, like Plan J, that were discontinued many years ago.

Policymakers have not seriously discussed introducing any new Medicare Supplement plans to replace Plan F or Plan G.

Taking the Next Steps

We’ll connect you to local Medicare Supplement plans – including Plan F and Plan G – so that you can enroll in your favorite plan on time.

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Q: Is There a Cap on Medicare Supplement Benefits?

There is no cap on Medicare Supplement benefits to the insured senior: no annual caps, no lifetime caps, and no caps on dollar amounts.

Without Medicare Supplement coverage, your 20 percent coinsurance on Medicare Part B care would also continue forever. In the absence of Medigap, there’s no cap on what your out-of-pocket expenses could be as a Medicare beneficiary.

Fortunately, Medicare Supplement plans fill in these coverage gaps (that’s why they are called “Medigap”). Your Medigap insurer will cover your entire 20 percent coinsurance.

Each of the 10 Medigap plan types take care of your Part B coinsurance as one of the core Medicare Supplement benefits. Beyond that, they treat different benefits differently. HealthCare.com can help you compare plans on our website, or by connecting you to a licensed broker.

Taking the Next Steps

You can review your current Medicare coverage to see if it’s the best option for your needs. Browse our selection of individual Medicare Supplement plans to find what’s right for you.

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  • Compare prices from over 70 carriers
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Q: What Medicare Supplement Companies Offer Plans in New York?

As of September 2017, Medicare Supplement companies in New York include the following insurers (listed in alphabetical order):

Keep in mind, though, that this isn’t a comprehensive list of insurance companies that offer Medicare Supplement plans in NY. The NY State Department of Financial Services regulates the insurance industry in the state of New York, and keeps the full list of the Medigap insurance companies in New York.

In addition, not all insurers or plans operate across the state. Your individual plan options will vary according to ZIP code, whether that’s in Rochester (where you are), Western NY, Eastern NY, Buffalo, New York City, or Long Island.

As of August 2017, each of the Medicare Supplement companies in New York offers Medigap Plan F (the most popular plan type), Plan A (the most basic) and Plan B.

If you’re considering Medicare Supplement coverage, you’ll join 436,192 other Medigap enrollees in New York state (as of May 2017). Those Medigap enrollees represented 21 percent of the total Medicare people on Original Medicare; in other words, roughly one in five Medicare enrollees choose to supplement their Original Medicare with a Medicare Supplement plan. Further, of those, approximately 241,000 (or 55 percent of all Medigap enrollees), were enrolled in Medicare Supplement Plan F.

Most Popular Medicare Supplement Companies NY (2016)

Of the Medigap companies in New York, UnitedHealthcare is by far the largest, with close to 80 percent of all Medigap policies in 2016. According to the National Association of Insurance Commissioners (NAIC), the top Medicare Supplement companies in New York (based on number of enrollees) are as follows:

  1. UnitedHealthcare: 338,958 enrollees
  2. Empire BCBS: 30,688 enrollees
  3. Globe Life of NY: 22,929 enrollees
  4. Excellus BCBS:  12,520 enrollees

Taking the Next Steps

Look at what Medicare Supplement plans are available in New York (specific to your county), and how much they’ll cost. Compare the various Medicare Supplement plans to see which one fits your needs. HealthCare.com provides an online plan and comparison engine that includes Medigap policies from all of the NY Medicare Supplement insurance companies. Check out your options here when you’re ready.

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  • Compare prices from over 70 carriers
  • Find a plan that fits your budget
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Get a Free Medicare Supplement Quote

• Get an instant quote for Medicare Supplement plans

• Compare prices from over 14,000 plans

• Find a plan that fits your budget

Start considering your options today.

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Which Medicare Supplement Plan is Right for You?

We’ll go through the basics of Medicare Supplement coverage. How do you pick which is best for you? This quiz takes your inputs and guides you to your best Medicare Supplement plan.

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