Over 2,802,000 people in New York have enrolled in Medicare Part D. A little more than half of this number (1,446,912) participate in standalone coverage. In comparison, 1,373,742 people joined a Medicare Advantage Prescription Drug (MAPD) plan.

You can find out more about your options for New York Medicare Part D plans by reaching out to our team for help today.

New York Part D Plans for 2022

Medicare Part D plans help cover the costs of prescription medications. This plan often works with other aspects of Medicare, including Part A and Part B. You can learn more about the best and most cost-efficient Part D plans offered in New York with this article.

Part D Plans with the Lowest Premiums in New York

Are you looking for a Part D plan with a low premium in New York? Aetna offers the lowest premiums at $7.20. However, the company only has a three-star rating and doesn’t offer gap coverage.

You may get more expensive coverage from Wellcare at $12.90 for the premium. However, Wellcare also has a three-star rating and no gap coverage.

Spending a little more with UnitedHealthcare gives you gap coverage and service from a four-star company. However, your premium jumps to $34.20 with Unitedhealthcare, making it more expensive than some people want to consider.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $7.20 $480 3 No
Wellcare $12.90 $480 3 No
Humana $25.00 $480 3 No
UnitedHealthcare $34.20 $310 4 Yes
Cigna $40.80 $480 3 No

Part D Plans with a Zero-dollar Deductible in New York

You may also look for a Part D plan with a zero-dollar deductible. However, you can expect to pay more out of pocket with these plans. The cheapest zero-dollar deductible plan comes from Wellcare, with a $69 premium.

You may also select Aetna if you’re willing to pay a $77.20 premium for gap coverage, which you cannot get from Wellcare.

Unitedhealthcare also offers gap coverage with their zero-dollar deductible Part D plan. However, you can expect to pay a $101 premium for this three-star plan.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $69.00 $0 3 No
Aetna $77.20 $0 3 Yes
Blue Cross Blue Shield $82.60 $0 N/A No
UnitedHealthcare $101.00 $0 3 Yes

Part D Plans with Gap Coverage in New York

Gap coverage can help protect you from expenses not covered under traditional Medicare plans. For example, Aetna offers a program with gap coverage and a $0 deductible. This three-star rated plan has a $77.20 premium.

Cigna is another three-star option. Cigna charges a $68.90 premium and a $100 deductible for its gap coverage plan.

Finally, you may contact UnitedHealthcare if you’re interested in a plan with a four-star rating. Expect to pay a $310 deductible with this plan and a $34.20 premium.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $34.20 $310 4 Yes
Cigna $68.90 $100 3 Yes
Aetna $77.20 $0 3 Yes

Part D Plans with a Low-Income Subsidy in New York

Over 958,000 residents of New York qualify as eligible for low-income subsidy Plan D plans. These plans provide options if you face financial hardships after retirement. For example, consider the Wellcare plan, which has a $36.20 premium and a $480 deductible.

You may also consider an Aetna plan with a $39.30 premium and a $480 deductible. None of these low-income subsidy plans comes with gap coverage in New York.

Humana also offers a low-income subsidy Plan D plan. The company charges $40.50 for a premium and sticks to the same $480 deductible as the other options we discussed. Learn more about these plans with us.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $36.20 $480 3 No
Aetna $39.30 $480 3 No
Humana $40.50 $480 3 No
Cigna $40.80 $480 3 No

Amount of Beneficiaries That Fall into Each Part D Coverage Phase in New York

Individuals join Part D plans in coverage phases. Some individuals end up in a coverage gap phase that the experts call the donut hole. The table below shows how many people fall into each phase in New York.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
601,572 906,032 302,884 328,539

New York Cities with Medigap Coverage’s Estimated Premiums

For these five New York cities, we’ve created handy charts to outline the estimated premiums for Medicare Supplement plans:

FAQs

What is the City of New York’s enhanced Medicare Part D plan?

The City of New York has an Enhanced Medicare Part D program available to any retirees signed up for the City of New York GHI Senior Care program. This credible plan allows you to seek additional coverage for your prescription drug costs.

Can you buy Medicare Part D by itself in New York?

Yes, New York offers several standalone plans for Medicare Part D. You may find that some of these plans come with benchmarks. In addition, some plans are available to individuals who qualify for low-income subsidies.

Discuss the benefits of buying a standalone Medicare Part D plan by reaching out to our team for help.

What is the most popular Medicare Part D plan in New York?

The most popular Medicare Part D plans offered in New York include options from SilverScript Choice, Cigna-HealthSpring Rx, and Humana Walmart Value Rx. These plans are not necessarily the right choice for everyone, but they remain popular throughout the state.

We focus on finding the plan that works best for you, even if it isn’t one of the most popular options in the state.

Does Medicare Part D come out of your Social Security check in New York?

You can have your Part D premiums taken out of your Social Security benefits. However, unlike with Part B premiums, this process does not happen automatically in New York. Discuss whether you should have the premiums taken out or not with a team member.

Are all Medicare Part D plans the same in New York?

In some ways, all Part D plans have similarities. They all cover the same drug categories, for example. However, companies may decide which drugs to cover within these categories. They also have different monthly premiums and deductibles.

How to Get Help Signing Up for a Medicare Part D Plan in New York

You can learn more about New York Medicare Part D plans by contacting our team at Medigap. We have experience working with carriers offering Part D plans and can share our understanding of this insurance with you.

Our free services make it easier to find the Medicare coverage that meets your needs. We compare plans on your behalf and get rates for the options that fit your situation. Please fill out our rate form or give us a call to learn more.

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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.