There are 206,131 Medicare enrollees in Syracuse, New York, split among FFS and standard Medicare services. This yields a participation rate of around 47.52%, slightly higher than the national average of 42.12%. This article will explore your supplemental plans for Medicare in Syracuse, New York.

Medicare plans in Syracuse, New York

Many people benefit from enrolling in a supplemental Medicare plan in New York. Doing so allows you to cover additional costs not covered under your traditional plan. We base the quotes listed below on a female aged 70, so the exact pricing of premiums, MOOP (maximum out-of-pocket) costs, and deductibles may vary.

Medicare Advantage plans

Around 97,963 Medicare beneficiaries exist on Medicare plans in Syracuse, New York. The average beneficiary has access to 39 New York Medicare Advantage plans in 2022, an 8% increase from 2021. Let’s discuss some of the most robust plans available.

Excellus Health offers one of the lowest MOOPs available at $4,500. This plan type falls under Local Pro. Additionally, the plan is rated four stars.

Humana has the same MOOP at $4,500. This Local Pro plan has a four-star rating, ranking it among the most desirable Medicare plans in Syracuse, New York.

UnitedHealthcare offers some variety. With a $7,500 MOOP, this is a four-star rated plan. Unlike the others on our list, this is an HMO plan.

The average cost of Medicare Advantage plans in Syracuse, New York

PLAN PREMIUM MOOP Plan Type Star Rating
Excellus Health $0 $4,500 LOCAL PPO 4
Wellcare $0 $7,550 LOCAL PPO 4
Aetna $0 $7,550 LOCAL PPO 4
Humana $0 $4,500 LOCAL PPO 4
UnitedHealthcare $0 $7,550 HMO 4

Medicare Supplement plans

Unlike other insurance methods, Medicare and New York Medigap plans are standardized nationwide, making it easy to tell how much you’ll pay for Medicare in Syracuse, New York. While benefits don’t change from state to state, you might experience differences in monthly premiums.

Plan HDG, one of the top letter plans available, is a good starting point for someone who wants a comprehensive Medicare plan in Syracuse, New York. The lowest premium is $57.00, a relatively manageable price point. At the highest, you would pay $62.01, leaving a small spread compared to some other plans.

Plan G is another top plan, but higher premiums compensate for the value. With this plan, your lowest premium will sit somewhere around $184.70. With a greater spread than our last example, you can expect to pay $533.02 for the highest premium.

Plan F has less range but leaves you paying a higher minimum overall. Plan F’s lowest premium is $303.88. The highest premium is $578.22.

The average cost of Medicare Supplement plans in Syracuse, New York

PLAN A $157.73 $328.18
PLAN B $211.71 $428.99
PLAN C $282.08 $396.95
PLAN D $183.80 $376.42
PLAN F $303.88 $578.22
PLAN HDF $57.00 $62.01
PLAN G $184.70 $533.02
PLAN HDG $57.00 $61.93
PLAN K $89.09 $141.15
PLAN L $172.00 $255.94
PLAN M $354.45 $393.08
PLAN N $182.33 $348.78

Medicare Part D prescription drug plans

Part D plans in New York offer a standalone option for those who need prescription medication coverage. Medigap does not cover prescriptions; only some Medicare Advantage plans do, making this a viable and necessary countermeasure for many people.

Aetna’s plan comes in with a three-star rating. With this plan, you get a $7.20 premium, a relatively low and accessible cost for many—Aetna’s deductible averages around $480.

UnitedHealthcare’s plan boasts a $34.20 premium, a higher cost for a higher-quality program. UnitedHealthcare’s plan ranks at four stars. Expect a deductible of around $310, lower than most of our list.

Another great four-star plan is Humana. The premium sits somewhere in the middle of the options on our list at $25.00. Expect a deductible of $480 per month, about the average of what you would expect from Part D plans.

The average cost of Medicare Part D plans in Syracuse, New York

Aetna $7.20 $480 3
Wellcare $12.90 $480 3
Humana $25.00 $480 4
UnitedHealthcare $34.20 $310 4
Cigna $40.80 $480 3

Special Needs plans

Special Needs Plans (or SNPs) fit into a subset of Medicare Advantage plans in Syracuse, New York, for people with special needs. SNPs help people specifically with chronic disabilities or special needs.

Humana is a Local PPO plan offering dual eligibility (meaning you can access the plan with special needs or a chronic disability). The average beneficiary will pay a $0 premium. Likewise, the MOOP clocks in at around $3,450 on average.

As for HMO plans, consider Nascentia Health. They offer the same $0 premium as the others on this list and dual coverage. MOOPs range but tend to cost about $7,550.

Wellcare is another great HMO option offering dual eligibility and $0 premiums. You will likely pay around $3,450, making it one of the lower MOOPs on the list.

The average cost of Medicare Special Needs plans in Syracuse, New York

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO Dual
Humana $0 $3,450 LOCAL PPO Dual
Nascentia Health $0 $7,550 HMO Dual
Wellcare $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual

How to sign up for Medicare plans in Syracuse

Are you looking for Medicare in Syracuse, New York? Call Medigap today or complete our rate form to get rates now. We compare plans to find the one that best fits your needs. Give us a call and get your rates today.

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.