Nearly 3,675,000 New Yorkers enjoy the benefits afforded by Medicare. Of these citizens, some are a member of every part of Medicare. The rest are enrolled in some parts only. There is a multitude of different supplemental plans available to residents of New York, which we’ll give you an explanation of. We’ll also further break down the numbers associated with Medicare.

Number of Residents on Medicare in New York

  • Just about 2,000,000 beneficiaries have Medicare Part A.
  • Of that number, just more than 1,700,000 aged into the program. The other 300,000-plus Part A members were enrolled because of a disability.
  • Medicare Advantage plans compromise coverage for 1,358,000 New Yorkers, while there are a little more than 2,800,000 beneficiaries who have a Medicare Part D plan.

Looking at Medicare Costs in New York

Medicare can be confusing if you don’t know exactly what you’re responsible for. Original Medicare consists of two distinct parts, which each cover completely different aspects of your health. Part A is for inpatient care, also commonly referred to as hospital care.

To qualify for this, you will have to have 40 quarter credits (which adds up to 10 years) of employment history, be a United States citizen, and be 65 years or older. If you are under 65, you can receive this Medicare if you have a disability.

Part B has the same age and work history requirements as Part A, but this aspect of Medicare is for outpatient care. This is anything that falls outside of a hospital visit such as preventative services like vaccines or checkups.

It can also be medically necessary services such as a primary care physician visit when you’re sick or a specialist when you need treatment for a specific ailment.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Drilling Down Original Medicare For New Yorkers

If you’re curious about how many New Yorkers have aged into and enjoy both parts of Original Medicare, the number is a little higher than 1,477,000 that are in both Parts A and B. As for the amount who receives coverage because of disability, it’s roughly 265,000.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Sorting Out Supplemental Medicare Plans in New York

Parts A and B of Medicare carry the same costs and benefits regardless of where a person lives in America. The same cannot be said about supplemental Medicare plans, which are also referred to as Medigap.

These plans help provide coverage to U.S. citizens, including New Yorkers. However, what Medigap covers and costs do vary based on your exact location. So a person looking for Medigap rates in New York City won’t see the same prices as someone who lives in Albany, for instance.

The other factor to consider is what supplemental coverage you actually want or need. Depending on if you get Medigap, Part C, Part D, or a combination of some or all of those, it will impact your quoted rates. So while it’s important to consider these aspects, let’s also look at a few reasons why New Yorkers seek out supplemental plans.

For one, a small premium cost paid for a supplemental plan can literally cover the gap between what Part A and Part B cover and the remainder that you’d owe in the form of co-pays. Supplemental plans are also pretty easy to understand and use. The good news is, if you live in New York you have year-round open enrollment for Medigap plans.

Also if someone wanted Medicare Part C (aka Medicare Advantage) or Part D to help cover prescription drug costs, these supplemental plans can help eliminate or really reduce the costs of medicine by paying for this coverage. Supplemental coverage is meant to work in unison with Original Medicare, not completely replace it.

Looking over Medicare Resources for New York Residents

There are a number of resources available to New Yorkers related to Medicare. One of the first places beneficiaries should start is the New York State Office of Aging’s website, which is home to HICAP information that allows the Empire State’s senior citizens to become educated on their Medicare benefits.

The beauty of New York’s HICAP is it is readily available for both Medicare beneficiaries and those who are close to becoming eligible as well. New York’s Department of Financial Services offers information for Medicare beneficiaries too.

For those who qualify for Medicaid, the state of New York provides assistance in that as well. The New York State Department of Health has an entire page on their site dedicated to their Medicaid community.

Should you find yourself needing a supplemental plan to Medicare, we are your go-to resource for those.

New York Cities with Medicare Supplement Coverage’s Estimated Premiums

For the below cities, there are charts outlining the estimated premiums for Medigap plans so you can make an informed decision:

FAQs

What age does Medicare start in NY?

This is a question many around the country, including New York, want to know. To be able to enroll in Medicare, regardless of what state you live in is the same for everyone: age 65 or older. That is just one of the qualifying factors though. Your work history and citizenship are others.

Who qualifies for Medicaid in NY?

To qualify for Medicare in the state of New York, you have to meet a set of criteria based on your level of income and personal situation. For complete information on this, the federal government has a page with requirements to qualify for Medicaid.

Do I have to enroll in Medicare every year?

Good news! You don’t have to enroll in Medicare every year once you’re in the program. This is good for not only Original Medicare but also prescription drug plans and also Medicare Advantage.

How to Sign Up for Supplemental Medicare in New York

While we’ve armed you with a lot of information about Medicare in New York, it’s still not always the easiest undertaking for a single person. That’s why you should choose to utilize the expertise of a licensed agent. And you don’t even have to be worried about the price — getting this assistance is free of charge! Giving us a call or completing this rate form will get you price quotes for supplemental plans in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.