The Best New York Medicare Supplement Plans (2022)

In New York, there are 10 Medicare Supplement (Medigap) plans to choose from, but different policies are available depending on when you were Medicare eligible. MoneyGeek found UnitedHealthcare and Empire Blue Cross Blue Shield have the best Medigap plans in New York.

Take note that you can’t buy both a Medigap and Medicare Advantage plan in New York or anywhere, as Medicare Advantage plans in New York replace your entire plan, including Original Medicare.

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Last Updated: 9/14/2022
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In New York, Medicare Supplement plans cost approximately $212 per month for 65-year-olds and around $242 monthly for 75-year-olds. The most popular are Plan F and G because of their comprehensive coverage. Plan F costs roughly $315.53 monthly, and Plan G is around $235.40 per month. However, Plan F is only available to individuals that were eligible for Medicare before 2020.

Plan N is the next most popular plan, offering similar coverage to Plan F and G, except for the Part B excess charge. It has a monthly average cost of $213.

MoneyGeek compared Medicare Supplement plans in New York based on average premiums and benefits to find the best company options for these three plans. To learn more about the different types of plans and coverages, our guide to finding the best Medicare Supplement plan can help.

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Best Medicare Supplement Plans in New York

Best Medicare Supplement Plan G in New York

UnitedHealthcare offers the best Medigap Plan G in New York at an average monthly cost of $280.25.

It’s worth noting that MoneyGeek’s rankings are limited to companies that provide online quotes. There may be other Medigap Plan G providers in New York that don’t have online estimates but offer better rates or benefits.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $280.25

UnitedHealthcare’s Medigap Plan G in New York costs around $280.25 per month, which averages almost $45 per month more than the $235.40 average cost of Plan G in New York.

UnitedHealthcare includes several additional benefits in Medigap plans at no extra cost, such as a 24/7 nurse line and Renew Active, which provides membership to premium gyms, annual personalized fitness plans and access to group classes.

MORE ABOUT PLAN G IN NEW YORK

Navigate to learn more about Medigap Plan G in New York, including how much it costs on average, its available providers and what it covers.

The Cost of Medicare Supplement Plan G in New York

In New York, the average cost of Medicare Supplement Plan G is $235.40 per month.

EmblemHealth offers the cheapest Plan G in New York for 65-year-olds at around $184.80 per month. Meanwhile, Empire Blue Cross Blue Shield has the most expensive Plan G, costing roughly $291.80 per month. That’s a difference of about $107 monthly.

Remember, your rate may vary depending on how old you are when you buy, your current age, discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • EmblemHealth
    $185
  • UnitedHealthcare
    $280
  • Empire Blue Cross Blue Shield
    $292

Providers Offering Plan G in New York

There are six providers offering Plan G in New York. However, not all of them give online quotes.

MoneyGeek gathered the contact information for all Plan G providers in New York to help you find a fit for your needs. We also showed the companies’ pricing methods so you can see which may charge more depending on your age.

Providers Offering Plan G in New York

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Bankers Life
    1-800-839-2731
    Community
  • Empire Blue Cross Blue Shield
    1-800-577-3150
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community

What Does Plan G Cover?

All Medigap policies, including Plan G, follow a standard and must have certain benefits. However, Plan G doesn’t cover the Part B deductible. It does include 80% of foreign travel exchange coverage within your plan limits.

Some providers include additional benefits outside of the standard Plan G coverage. An example is UnitedHealthcare’s Renew Active.

Required Benefits of Plan G in New York
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in New York

UnitedHealthcare offers the best Medigap Plan F in New York at an average cost of $320 per month.

Keep in mind that MoneyGeek only ranked companies that provide online estimates. Some companies without online quoting may have better rates for your needs.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $320

UnitedHealthcare’s Plan F in New York, costing around $320 monthly, is about $4.50 more expensive than the $315.50 average monthly cost of Plan F in the state.

With UnitedHealthcare, additional benefits include foreign travel emergency care, a 24/7 nurse line and Renew Active, providing a free gym membership, a personalized fitness plan and an online brain-health program.

MORE ABOUT PLAN F IN NEW YORK

Navigate to learn more about Medigap Plan F in New York, including the average cost, available providers and coverage.

The Cost of Medicare Supplement Plan F in New York

The average cost of Medicare Supplement Plan F in New York is $315.50 per month.

For 75-year-olds in New York, the cheapest Plan F is with EmblemHealth, averaging $302.10 per month. On the other hand, the most expensive Plan F is with Empire Blue Cross Blue Shield, with an average monthly premium of $337.80. The difference is roughly $35.70 per month.

Your actual rate may vary depending on your age at the time of enrollment, your current age, discounts and medical underwriting factors.

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75

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  • Company
    Sample Monthly Rate
  • EmblemHealth
    $302
  • UnitedHealthcare
    $320
  • Empire Blue Cross Blue Shield
    $338

Providers Offering Plan F in New York

Eight providers offer Medigap Plan F in New York, but not all of them provide online quotes. To help find your best company, MoneyGeek collected the contact information for all companies in New York with Plan F. We also presented their pricing methods so you can learn which may charge more based on your age.

Providers Offering Plan F in New York

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Bankers Life
    1-800-839-2731
    Community
  • Emblem
    646-447-5000
    Community
  • Empire Blue Cross Blue Shield
    1-800-577-3150
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • State Farm
    800-782-8332
    Community

What Does Plan F Cover?

Like other Medigap policies, Plan F is standardized and offers certain benefits. However, it only covers 80% of foreign travel exchange within your plan’s limits.

Depending on your provider, you get additional benefits outside the standard coverage — for example, UnitedHealthcare’s 24/7 nurse hotline.

Required Benefits of Plan F in New York
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in New York

For those looking for Medicare Supplement Plan N in New York, the best option is Empire Blue Cross Blue Shield. It offers Plan N at an average cost of $207.60 per month.

Keep in mind that MoneyGeek’s ranking only considered companies that provide online quotes. You may find a better Plan N from providers that don’t give estimates online.

mglogo
MoneyGeek Top Pick
Empire Blue Cross Blue Shield
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $207.60

Compared to the $213 average monthly cost of Plan N in New York, Empire Blue Cross Blue Shield is about $5.40 cheaper at roughly $207.60 monthly.

The company includes the added benefit of foreign travel emergency, which covers emergency medical assistance while outside the United States.

MORE ABOUT PLAN N IN NEW YORK

Navigate to learn more about Medigap Plan N in New York, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in New York

On average, Medigap Plan N costs $213 per month in New York. A 65-year-old in New York can buy the most affordable Plan N from Empire Blue Cross Blue Shield at approximately $207.60 per month. But the most expensive Plan N is offered by EmblemHealth, costing roughly $220 per month. That’s a difference of about $12.40 monthly.

Remember, your rate depends on your chosen provider and several factors, such as your current age, discounts and medical underwriting.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Empire Blue Cross Blue Shield
    $208
  • UnitedHealthcare
    $211
  • EmblemHealth
    $220

Providers Offering Plan N in New York

There are five companies in New York that offer Medigap Plan N. However, not all of them display quotes online.

MoneyGeek collected the contact information and pricing methods of all Plan N providers in New York to help you choose the suitable one for your needs and understand what companies may charge more based on age.

Providers Offering Plan N in New York

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Bankers Life
    1-800-839-2731
    Community
  • Empire Blue Cross Blue Shield
    1-800-577-3150
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Humana
    1-800-457-4708
    Community

What Does Plan N Cover?

All Medigap policies, including Plan N, are standardized and include certain benefits. However, Plan N doesn’t cover the Part B deductible and excess charge. It does cover 80% of foreign travel exchange up to plan limits.

In addition to the standard coverage, some companies feature additional benefits. Empire Blue Cross Blue Shield’s foreign travel emergency is an example.

Required Benefits of Plan N in New York
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in New York: Other Plan Types

Aside from Plan F, G and N, there are other Medicare Supplement plan types available in New York — such as A, B, C, K and L. However, fewer people prefer them because they don’t offer comprehensive coverage.

MoneyGeek used our criteria for affordability and benefits to determine the best options for these other Medigap plans where online quotes were available. The companies offering the best Medicare Supplement plans in New York for certain plan types are:

  • Plan A: Empire Blue Cross Blue Shield
  • Plan B: Empire Blue Cross Blue Shield
  • Plan C: EmblemHealth
  • Plan K: UnitedHealthcare
  • Plan L: UnitedHealthcare

It’s important to know that purchasing Plan C in New York or anywhere else is not an option if you became eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in New York - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Empire Blue Cross Blue Shield

    $179.00

  • B

    Empire Blue Cross Blue Shield

    $241.11

  • C

    UnitedHealthcare

    $300.87

  • F

    UnitedHealthcare

    $320.00

  • G

    UnitedHealthcare

    $280.25

  • K

    UnitedHealthcare

    $88.00

  • L

    UnitedHealthcare

    $207.60

  • N

    Empire Blue Cross Blue Shield

    $207.60

How to Find the Best Medicare Supplement Plans in New York

Since Medigap insurance in New York is a complicated topic, determining the right plan for your needs can be challenging. To help you choose the best Medicare Supplement plan in New York, MoneyGeek created a comparison chart for all plan types using our collected pricing data and analysis.

New York Medicare Supplement Plans Comparison Chart

Each Medigap plan has a different level of coverage, and some may only be available depending on when you became eligible for Medicare. For example, Plan F and C were the most comprehensive, but new enrollees cannot purchase them. Their replacements are Plan G and D.

You can use our chart to compare Medicare Supplement plans in New York based on their coverages and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in New York

The cost of your Medicare Supplement insurance in New York can differ greatly based on your preferred plan type and company. Empire Blue Cross Blue Shield offers the most affordable rates for Plan A, B and N, EmblemHealth provides the lowest monthly premium for Plan C, G and F, and UnitedHealthcare is the cheapest provider for Plan K and L.

To determine your rates, companies use one of the three pricing styles:

  • Community-Rated: This is the most common pricing style in New York. Providers using this method charge the same monthly premium to everyone, regardless of age.
  • Attained-Age: This pricing style bases premiums on your current age, which means your rates increase as you get older. None of the providers in New York use this method.
  • Issue-Age: With this, your premium depends on how old you are when you buy your plan. This pricing style isn’t used by companies in New York.
Average Cost of Medicare Supplement in XXXX

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Empire Blue Cross Blue Shield
    $179
  • UnitedHealthcare
    $189
  • EmblemHealth
    $195

FAQs About Medicare Supplement Plans in New York

MoneyGeek answered frequently asked questions about Medicare Supplement plans in New York to help you get the best company and plan for your needs.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in New York for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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