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 what supplemental plans you have available for Medicare in Syracuse, New York.

Supplemental Medicare Plans in Syracuse, New York

Many people stand to benefit when 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.

Cheapest Medicare Advantage Plans in Syracuse, New York

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.

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

Average Medicare Supplement Plans in Syracuse, New York

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 do not 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.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Affordable Medicare Part D in Syracuse, New York

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

Aetna’s plan comes in at 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.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plans in Syracuse, New York

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.

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

FAQs

Where Is the Medicare Office in Syracuse, NY, Located?

You have a few options if you want Medicare in Syracuse, New York. Some of the most popular offices are the Camillus Senior Center and the Onondaga County Department of Social Services.

How Do I Apply for Medicare in Syracuse?

Apply for Medicare in Syracuse, New York, by calling the Social Security Administration at 1-800-722-1213. You can qualify if you’re over 65, regardless of income.

Are Medicare Supplement Premiums Based on Income in Syracuse?

No, Medicare in Syracuse, New York, does not depend on income. Instead, your eligibility depends on age-rated, community-rated, and attained age-rated factors.

Do Medicare Supplement Plans Go Up with Age in Syracuse, NY?

Medicare in Syracuse, New York, does increase with age. For that reason, it makes the most sense for beneficiaries to apply when they hit 65 years old.

How Can I Reduce My Medicare Premiums in Syracuse, NY?

To reduce your Medicare premiums in Syracuse, New York, you can:

  • File a Medicare IRMAA Appeal
  • Pay Medicare premiums with your HSA
  • Get help paying Medicare premiums through the Medicare Savings Program
  • Request a Low-Income Subsidy

How to Sign Up for Supplemental Medicare 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.

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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.