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 enrolled in some parts of Medicare 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 enrolled because of a disability.
  • Medicare Advantage plans compromise coverage for 1,358,000 New Yorkers, while a little more than 2,800,000 beneficiaries 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 parts, each covering completely different aspects of your health. Part A is for inpatient care, also referred to as hospital care.

To qualify for this, you will have 40 quarter credits (up to 10 years) of employment history, be a United States citizen, and be 65 years or older. If you’re 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. Medicare Part B services include anything outside 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 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • 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 those who receive 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

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 can’t be said about supplemental Medicare plans.

New York Medicare Supplement plans

These plans help provide coverage to US citizens, including New Yorkers. However, what Medicare Supplement covers and costs vary based on your 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.

Another factor to consider is what supplemental Medicare coverage you want or need. Getting Medigap, Part C, Part D, or a combination of some or all will impact your quoted rates. So, while it’s important to consider these aspects, let’s also look at why New Yorkers seek out supplemental plans.

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

Medicare Advantage plans in New York

Suppose someone wanted Medicare Part C (aka Medicare Advantage) or Part D to help cover prescription drug costs. In that case, these supplemental plans can help eliminate or reduce medicine costs by paying for this coverage. Medicare Supplement coverage works in unison with the Original Medicare coverage, not entirely replacing it.

Looking over Medicare resources for New York residents

There are several 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 that it’s readily available for Medicare beneficiaries and those close to becoming eligible. New York’s Department of Financial Services also offers information for Medicare beneficiaries.

For those who qualify for Medicaid, the state of New York also assists in that. The New York State Department of Health has an entire page dedicated to the Medicaid community.

We’re your go-to resource if you need a supplemental plan to Medicare.

New York cities with Medicare Supplement coverage’s estimated premiums

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


What age does Medicare start in NY?

When Medicare starts is a question many around the country, including New York, want to know. To be able to enroll in Medicare, regardless of your state, is the same for everyone: age 65 or older. That’s 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 New York, you must meet a set of criteria based on your income level 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 annually once in the program. This is good for Original Medicare, prescription drug plans, and Medicare Advantage.

How to sign up for Medicare plans in New York

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

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Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.