Medicare Supplement Plans in NY
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all your options.
By contacting us, you will be connected with a licensed insurance agent.
Understanding Medicare Supplement Insurance Options
Serving all of New York from our offices in Mayfield and Clifton Park, OB1 Insurance helps you compare Medigap (Medicare Supplement) plans, understand your options, and choose the right coverage to fill gaps in Original Medicare. Get independent, local advice from licensed agents who know New York’s Medicare rules.
Quick Overview: Is Medicare Advantage Right for You?
Question
Answer
What is it?
Private insurance that helps pay costs not covered by Original Medicare—like copayments, coinsurance, and deductibles.
Who is it for?
New Yorkers with Medicare Part A and B who want predictable costs and freedom to choose providers.
What’s included?
Coverage for out-of-pocket expenses, nationwide provider access, guaranteed renewability.
How OB1 helps
We compare Medigap plans from multiple top insurers to match your needs and budget.
What Is Medicare Supplement (Medigap) Insurance?
A Medicare Supplement (Medigap) policy, sold by private companies, helps pay for health care costs Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. With Medigap, you keep Original Medicare as your primary coverage, and the policy pays its share after Medicare pays its part.
Key facts about Medigap:
You must have Medicare Part A and Part B.
Medigap only covers one person—each spouse needs their own policy.
You’ll pay a private insurer’s monthly premium in addition to your Medicare Part B premium.
Any standardized Medigap policy is guaranteed renewable—even with health issues.
Medigap does not include prescription drug coverage. For that, enroll in a separate Part D plan.
You cannot have a Medigap policy and a Medicare Advantage Plan at the same time.
Want to see how Medigap could work for you?
Why Consider a Medicare Supplement Plan?
Choosing the right Medigap plan can protect you from unpredictable health costs and give you the freedom to see any doctor or hospital that accepts Medicare, anywhere in the U.S. In New York, unique guaranteed-issue rights mean you can switch Medigap plans at any time—no medical underwriting required. This is a major benefit for New York residents and sets our state apart from most others.
Local Tip: Medigap premiums and available plans can vary by county and insurer. OB1 Insurance will help you compare rates and coverage side by side.
Confused by Medigap rules? We're here to make it simple.
Plan Types Explained: Which Medigap Plan Is Best for You?
Not sure which Medigap plan fits your needs? Here’s a quick overview of the most popular options in New York:
Plan A:
Basic coverage for essential gaps.
Plan G:
Broad coverage—often the most comprehensive available to new enrollees.
Plan K:
Lower premiums, covers 50% of certain costs, has an annual out-of-pocket limit.
Plan N:
Low premiums, some copays, predictable protection.
Want to compare Medigap plans side by side?
When Can You Enroll in Medigap?
- Who can buy a Medigap policy? Anyone with both Medicare Part A and B.
- How do you enroll? You can apply anytime in New York, thanks to guaranteed-issue rights.
- What about if you’re switching from a Medicare Advantage Plan? You must first drop the Advantage Plan before your Medigap coverage starts. We’ll help you handle the transition smoothly.
- What’s the cost? You’ll pay your Part B premium, plus a separate premium for the Medigap policy.
Enrollment questions? We’ll walk you through the process step by step.
Why Work with OB1 Insurance
- Independent: We’re not tied to one insurer
- Local: Offices in Mayfield and Clifton Park
- Client-focused service:Personalized guidance and responsive support to help you understand your coverage options.
- Experienced: Decades of helping New Yorkers with Medicare
We make comparing your Medigap options simple.
Common Questions About Supplement Plans
How is Medigap different from Medicare Advantage?
Medigap works with Original Medicare to cover gaps; Advantage plans replace Medicare with a private plan.
Can I switch Medigap plans in New York?
Yes—New York allows year-round switching without medical questions.
Do Medigap plans cover prescription drugs?
No, but you can enroll in a standalone Part D drug plan.
Will my Medigap plan ever be canceled?
As long as you pay premiums, your policy is guaranteed renewable—even if your health changes.
Required Medicare Disclaimer
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”
“By contacting us, you will be connected with a licensed insurance agent.”
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