There are 280,306 beneficiaries with Part A and Part B Medicare in Buffalo, New York. With 92,130 Original Medicare beneficiaries and 188,176 Medicare Advantage plans in the city, Medicare Advantage participation rates are significantly higher than the national average.
Supplemental Medicare Plans in Buffalo, New York
Medicare in New York doesn’t cover all expenses. For those needing Supplemental Medicare, Buffalo, New York, features affordable Medicare Advantage plans and Medigap plans catering to people with special needs and regular drug prescription requirements. Enrolling in one of these supplemental plans will help Buffalo residents save on medical expenses.
Affordable Medicare Advantage Plans in Buffalo, NY
In Buffalo, 67.13% of residents with Medicare enrolled in New York Medicare Advantage. This totals 52.93% women and 47.07% men. Currently, there are 55 Medicare Advantage plans in Erie County, NY.
Medicare Advantage plans offer many benefits, primarily savings. Excellus Health (HMO-POS) is a top plan with a $0 premium, only a $4,500 out-of-pocket maximum, and an excellent five-star rating.
Independent Health (HMO) is another top-rated plan. It features a five-star rating and a zero-dollar monthly premium. Despite a $6,900 MOOP, the program offers unique benefits such as money back on healthy grocery choices.
With a $7,550 MOOP, Wellcare (HMO-POS) is another affordable yet high-quality plan. Coverage may include transportation to medical appointments and fitness club memberships. Featuring a four-star rating, Wellcare is worth considering.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $7,550 | HMO-POS | 4 |
| Excellus Health | $0 | $4,500 | HMO-POS | 5 |
| Independent Health | $0 | $6,900 | HMO | 5 |
| Humana | $0 | $4,500 | LOCAL PPO | 4 |
| Aetna | $0 | $7,550 | HMO-POS | 3 |
Average Medicare Supplement Plans in Buffalo, New York
Patients on Medicare in Buffalo, New York, can pay for costs Medicare doesn’t cover with a New York Medicare Supplement plan called Medigap. Medigap plans provide the same benefits throughout all states, but premiums depend on several factors.
Medigap Plan G is one of the most popular plans, with a lower premium of $184.70 and a high premium of $463.75. This plan covers all expenses except the Part B deductible. For better coverage, choose Plan F.
Medigap Plan F is one of the most expensive plans Buffalo, NY, residents can select. Despite Medigap Plan F having a premium range between $300.67 and $578.22, Plan F offers full coverage for all deductibles, copays, and more.
Medigap Plan HDF is a high-deductible version of Plan F. You’ll need to pay a monthly deductible to get a lower premium like the ones here ($52.53 to $101.38). You’ll still receive the benefits of the regular Plan F.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $152.57 | $285.56 |
| PLAN B | $204.68 | $404.68 |
| PLAN C | $272.95 | $415.68 |
| PLAN D | $183.80 | $398.05 |
| PLAN F | $300.67 | $578.22 |
| PLAN HDF | $52.53 | $101.38 |
| PLAN G | $184.70 | $463.75 |
| PLAN HDG | $52.53 | $61.93 |
| PLAN K | $77.62 | $141.15 |
| PLAN L | $172.00 | $222.73 |
| PLAN M | $308.38 | $415.67 |
| PLAN N | $176.99 | $303.50 |
Cheapest Medicare Part D prescription drug plans
Medicare Part D covers prescription drug costs in New York. You can purchase a standalone Part D plan, choose Medicare Extra Help, or a Medicare Advantage plan to cover your prescriptions. Medigap does not cover prescription drugs.
A plan from Aetna offers a $7.20 premium and a decent three-star rating with a $480 deductible. Other top programs, such as Wellcare and Humana, offer $480 deductibles, premiums lower than $30, and three-star ratings.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.20 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Humana | $25.00 | $480 | 3 |
| UnitedHealthcare | $34.20 | $310 | 4 |
| Cigna | $40.80 | $480 | 3 |
Medicare Special Needs plans
Special Needs plans are unique. Eligibility requirements for Special Needs Medicare in Buffalo, New York, include dual chronic disabilities and special needs.
Wellcare (LOCAL PPO) has a $3,450 deductible and zero-dollar premium, while UnitedHealthcare (HMO) requires a $3,450 MOOP and features a $0 premium. Nascentia Health (HMO) features a higher MOOP of $7,550 and requires dual eligibility.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | LOCAL PPO | Dual |
| Nascentia Health | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
FAQs
Where can I check my Medicare status in Buffalo, NY?
Check your status of Medicare in Buffalo, New York, through your My Social Security account. Alternatively, call your Social Security office.
What is the least expensive Medigap plan in Buffalo, NY?
Plan N is the least expensive Medigap plan that has comparable benefits to the top Medicare Supplement plans. Buffalo residents will pay significantly less than Plan F or Plan G.
Should I switch from Plan F to Plan G in Buffalo, NY?
Switching to Plan G could save you more with a lower premium. However, you’ll have to pay for the Part B deductible.
How much is a Medicare Supplement per month in Buffalo, NY?
Your monthly premium for Medicare in Buffalo, New York, will vary. Many factors determine your final price.
Are Medicare Supplement premiums based on income in Buffalo, NY?
Your Part B premium depends on your household income. Buffalo residents get the premium taken from their monthly Social Security.
How to Sign Up for Supplemental Medicare in Buffalo
To sign up for supplemental Medicare in Buffalo, New York, speak to the experts at Medigap.com. We’ll compare plans to help you find the best one. Give us a call or complete our rate form to get rates now.
