Best Medicare Supplement Companies in New York
Updated:
We chose the best Medicare supplement companies in New York based on coverage options, costs, and customer reviews.
Retirement Living takes an unbiased approach to our reviews. We may earn money when you click a partner link. Learn More
Humana
Humana offers Medicare Supplement Plans A through N in most states. Each Humana policy comes with benefits other companies don’t offer. Perks include discounts for using electronic payments, fitness programs and more.
Cigna
Cigna is an industry-leading Medicare Supplement insurance whose plans work with any provider that takes Medicare. Cigna offers plans for Part A through N.
Mutual of Omaha
Mutual of Omaha is a leading Medigap provider whose members file fewer complaints than competitors. The company offers an impressive array of Medicare-related articles on its website explaining how to navigate the enrollment period, eligibility rules and how to use Medigap insurance.
Blue Cross Blue Shield
Blue Cross Blue Shield provides Medicare supplement insurance and personalized, affordable health plans. The company serves nearly one out of every three consumers who buy health insurance. Around 95% of health care providers contract with Blue Cross Blue Shield companies.
Aetna Medicare Supplement
Aetna offers Medicare Supplement insurance plans offering coverage that works with Original Medicare (Parts A and B). Aetna’s website provides helpful information on plans in each state and convenient online policy management.
CoverRight
CoverRight provides everything you need to select insurance that covers the gaps in Original Medicare coverage. You can find everything you need online, and a licensed advisor is available by phone, email, or chat to help. CoverRight offers quotes from over 20 insurance companies, and all services are free.
Medicare Network Advisors
Independent agency offering free, unbiased assistance with Medicare research and enrollment, including Parts A and B and supplemental coverage.
The Medicare Group
Compare plans from a variety of A-rated providers, including UnitedHealthcare, wellcare, Amerigroup, Humana, Aetna, Cigna, Clover and Horizon BlueCross BlueShield.
United Healthcare
Offers a full range of health coverage, including Medicare Advantage and supplemental plans. Compare local plans on the website with just a zip code on the website, then choose from a variety of coverage levels to best fit your needs.
AgeWell New York
Offers Medicare Advantage prescription drugs plans and managed long term care plan options. Dual-eligible individuals can combine Medicare and Medicaid benefits under one plan, Advantage Plus, which includes home health care and transportation.
Elderplan – HomeFirst
Offers Medicare Advantage plans for Medicare and Medicare dual-eligible individuals, along with prescription drug coverage and plans for those who require long-term care. Choose from five Medicare Advantage plans.
Emblem Health
In-person customer service throughout New York City, with customer care navigators to help with enrollment, educational classes and events, and support for your personal wellness.
Medicare Supplement Costs in New York
The cost of Medicare supplemental plans tends to be higher in New York due to the state’s cost of living. Premiums vary according to the provider. The New York Department of Financial Services maintains a comparison table of Medigap carriers, their plans, and the standard rates by zip code.
| New York Medicare Supplement Costs by Plan (Annual Premiums) | |
| Plan | Monthly Premiums (Range) |
| Plan A | $85 – $411 |
| Plan B | $121 – $407 |
| Plan D | $119 – $396 |
| Plan G | $98 – $509 |
| Plan G High | $32 – $90 |
| Plan K | $56 – $175 |
| Plan L | $70 – $274 |
| Plan M | $96 – $265 |
| Plan N | $76 – $483 |
Data collected on New York Department of Financial Services. Prices are accurate as of publication.
When Should You Enroll in a New York Medicare Supplement Plan?
Once you enroll in Medicare Parts A and B, you are eligible for enrollment in a Medicare supplement plan. Adults approaching age 65 can begin the Medicare enrollment process three months before their birthday. Applicants in New York have six months to sign up for Medicare supplement plans with guaranteed issue rights. In New York, you can enroll in Medicare supplement plans anytime. By law, insurers must accept your application and offer plans at the standard rate regardless of preexisting conditions and medical history.
Medicare Enrollment in New York
New York State law requires any insurer providing Medicare supplement plans to accept applications at any time of year without medical underwriting. This means Medicare beneficiaries can take advantage of year-round open enrollment for Medigap plans and cannot be turned down for pre-existing conditions. Your medical history or former claims can not affect your rates. New York law also guarantees portability, which applies to any Medicare supplement plan that has a waiting period for treatment of preexisting conditions. Medigap providers are required to reduce the waiting period by the number of days you were covered under another form of “creditable” coverage (as long as there were no breaks over 63 days). New York residents under 65 who receive Social Security Disability Insurance are eligible for Medicare after a two-year waiting period. Those who have end-stage renal disease or amyotrophic lateral sclerosis (ALS) can also sign up for Medicare before reaching 65, with no waiting period.
New York Medicare Supplement Company Reviews
Medicare Network Advisors
Medicare Network Advisors provides free, unbiased assistance with Medicare research and enrollment, including Parts A and B and supplemental coverage. As an independent insurance agent, the company represents multiple carriers and can help you select the best coverage for your needs. This company has earned five-star reviews on multiple sites; customers appreciate agents’ thorough process, patience, and dedication to providing quality service.
Focuses only on medicare/supplemental coverage
Accredited by the BBB, five-star ratings online
| Address | Services New York |
| Phone Number | 1 (844) 633-2273 |
The Medicare Group
The Medicare Group helps clients compare plans from a variety of A-rated providers, including UnitedHealthcare, wellcare, Amerigroup, Humana, Aetna, Cigna, Clover and Horizon BlueCross BlueShield. A licensed agent will walk you through the options and the enrollment process, all for free, or you can get started comparing prices and coverage online. Reviews for this service are overwhelmingly positive; services are also available in spanish.
More than 100 positive reviews on Google
Live chat feature
| Address | 5601 Bergenline Ave, West New York, NJ 07093 |
| Phone Number | 1 (800) 563-2085 |
United Healthcare
United Healthcare is an insurance provider offering a full range of health coverage, including Medicare Advantage and supplemental plans. Compare local plans on the websitewith just a zip code on the website, then choose from a variety of coverage levels to best fit your needs: budget conscious 50% or 75% benefits, or plans that cover comprehensive benefits plus Part A deductibles. Plans are available with $0 doctor visits. While several reviewers experienced issues with claims and customer service, others say this company treats everyone with respect.
Experienced UHC agents
Low monthly premiums, with no provider network and no specialist referral required
| Address | 1 Pennsylvania Plaza #8, New York, NY 10119 |
| Phone Number | 1 (866) 633-2446 |
AgeWell New York
Agewell New York health plans offer Medicare Advantage prescription drug plans and managed long-term care plan options. Dual-eligible individuals can combine Medicare and Medicaid benefits under one plan, Advantage Plus, which includes home health care and transportation. Agewell also offers the FeelWell plan that combines Medicare and Medicaid and includes prescriptions, and an institutional special needs plan for those who reside in nursing homes. Customer testimonials said care from this company was unique and personalized, and care coordinators were helpful and professional.
English and Spanish-speaking representatives
Can combine Medicare and Medicaid under one plan
| Address | 1991 Marcus Ave M201, New Hyde Park, NY 11042 |
| Phone Number | 1 (866) 586-8044 |
Elderplan – HomeFirst
Elderplan offers Medicare Advantage plans for Medicare and Medicare dual-eligible individuals, along with prescription drug coverage and plans for those who require long-term care. Choose from five Medicare Advantage plans based on the situation, including plans for residents of assisted living and nursing homes. Perks include OTC benefits, home-delivered meals, memory fitness program, and dedicated care manager.
No copays for doctor and hospital visits
Premiums start at $0
| Address | 745 64th St #1, Brooklyn, NY 11220 |
| Phone Number | 1 (866) 360-1934 |
Emblem Health
Emblem Health offers Medicare Advantage plans starting at $0 monthly premium, and Medicare supplemental coverage. Supplemental plans include A, B, C, F, G and N, starting at $61 for a high deductible plan. Find in-person customer service throughout New York City, with customer care navigators, classes and events, and support for your personal wellness. Reviewers appreciate the membership to New York sports clubs and the customer service.
Classes and events around New York City
Transparent premium pricing online
| Address | 421 E 75th St, New York, NY 10021 |
| Phone Number | (646) 934-6012 |