Medicare Advantage Plans in New York - Plan Comparison and Eligibility

Quick links:

• Average 2023 Costs
• Eligibility & Enrollment
• Finding Top-Rated Plans
• List of Plans Available
  • Plans by Carrier
  • Plans by County
  • Plans by Type
• Local Resources

There are 1,913 different New York Medicare Advantage (Medicare Part C) plans available in 2023.¹ Not every plan is available in each county, so you will want to be sure to find out which plans are offered where you live.

A licensed insurance agent can help you compare Medicare Advantage plans in your area of New York. Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage Plans in New York

The average monthly premium for a Medicare Advantage plan with prescription drug coverage in New York state is $12.94 per month in 2023, you may be able to find plans where you live in New York that feature $0 premiums.¹ And the average medical deductible for New York plans is just $22.53 per year in 2023.¹

The premiums, deductibles and out-of-pocket costs of Medicare Advantage plans can vary greatly based on where you live. A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

NY Medicare Eligibility & Enrollment

You cannot enroll in a Medicare Advantage plan in New York without first enrolling in Original Medicare (Part A and Part B).

You may be eligible to sign up for Medicare at age 65 if you meet the following requirements:

• You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.
  
  
• You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.
  
  
• You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You might also be eligible to enroll in Medicare under 65 if:

• You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.
  
  
• You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).
  
  
• You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or a New York Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in New York

The first time you can typically enroll in a New York Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Your Medicare IEP starts three months before your 65^th birthday, continues during the month of your 65^th birthday and then continues for another three months after your birthday.

You may also be able to sign up for Medicare Advantage during another Medicare enrollment period, which can include:

Medicare Advantage Open Enrollment Period: January 1 – March 31

This enrollment period starts on January 1 and lasts to March 31 every year. During this period, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during the Medicare Advantage Open Enrollment Period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Fall Medicare Open Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another. This fall open enrollment period is called AEP, or Annual Enrollment Period. 

You may also drop your existing Medicare Advantage plan and return to Original Medicare during AEP.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP), depending on your personal circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in New York 2023

Each year, the Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans from across the U.S. using a system of one to five stars.

If a Medicare Advantage plan earns a rating of four or more stars out of five stars, it is considered a top-rated plan.

57.4% of the Medicare Advantage plans in New York with prescription drug coverage are rated four stars or higher in 2023.²

Medicare Advantage plans are rated in the following five categories:

• Preventive care and health maintenance (screenings, tests, vaccines, etc.)
• Management of chronic conditions
• Member experiences and ratings of the plan
• Member complaints, problems receiving services and member retention
• Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in New York in 2023

To view a list of plans offered in your area within New York, use our plan comparison tool.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in New York

A number of different insurance companies may offer Medicare Advantage plans in New York. Depending on where you live, you may have access to plans from one or more carriers.

Aetna Medicare Insurance offers Medicare Advantage plans that may be unique to the plan area they serve.

When you’re shopping for Medicare Advantage plans in New York, you can compare plans from several different carriers by using some of the following information:

• The Medicare Star Ratings can give you an idea of a plan’s overall quality.
  
  
• Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.
  
  
• Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.
  
  
• You can read through Medicare Advantage plan reviews and testimonials from customers.

You can also call to speak with a licensed insurance agent who can help you compare Medicare Advantage plans that are available from insurance companies in your area.

New York Medicare Advantage plans by county

Learn more about 2023 Medicare Advantage plans in New York by county.

• Bronx County Medicare Advantage Plans
• Broome County Medicare Advantage Plans
• Cattaraugus County Medicare Advantage Plans
• Cayuga County Medicare Advantage Plans
• Chautauqua County Medicare Advantage Plans
• Chemung County Medicare Advantage Plans
• Chenango County Medicare Advantage Plans
• Clinton County Medicare Advantage Plans
• Columbia County Medicare Advantage Plans
• Cortland County Medicare Advantage Plans
• Delaware County Medicare Advantage Plans
• Dutchess County Medicare Advantage Plans
• Erie County Medicare Advantage Plans
• Franklin County Medicare Advantage Plans
• Fulton County Medicare Advantage Plans
• Genesee County Medicare Advantage Plans
• Greene County Medicare Advantage Plans
• Hamilton County Medicare Advantage Plans
• Herkimer County Medicare Advantage Plans
• Jefferson County Medicare Advantage Plans
• Kings County Medicare Advantage Plans
• Lewis County Medicare Advantage Plans
• Livingston County Medicare Advantage Plans
• Madison County Medicare Advantage Plans
• Monroe County Medicare Advantage Plans
• Montgomery County Medicare Advantage Plans
• Nassau County Medicare Advantage Plans
• New York County Medicare Advantage Plans
• Niagara County Medicare Advantage Plans
• Oneida County Medicare Advantage Plans
• Onondaga County Medicare Advantage Plans
• Ontario County Medicare Advantage Plans
• Orange County Medicare Advantage Plans
• Orleans County Medicare Advantage Plans
• Oswego County Medicare Advantage Plans
• Otsego County Medicare Advantage Plans
• Putnam County Medicare Advantage Plans
• Queens County Medicare Advantage Plans
• Rensselaer County Medicare Advantage Plans
• Richmond County Medicare Advantage Plans
• Rockland County Medicare Advantage Plans
• Saratoga County Medicare Advantage Plans
• Schenectady County Medicare Advantage Plans
• Schoharie County Medicare Advantage Plans
• Schuyler County Medicare Advantage Plans
• Seneca County Medicare Advantage Plans
• Saint Lawrence County Medicare Advantage Plans
• Steuben County Medicare Advantage Plans
• Suffolk County Medicare Advantage Plans
• Sullivan County Medicare Advantage Plans
• Tioga County Medicare Advantage Plans
• Tompkins County Medicare Advantage Plans
• Ulster County Medicare Advantage Plans
• Warren County Medicare Advantage Plans
• Washington County Medicare Advantage Plans
• Wayne County Medicare Advantage Plans
• Westchester County Medicare Advantage Plans
• Wyoming County Medicare Advantage Plans
• Yates County Medicare Advantage Plans

NY Medicare Advantage plans by plan type

The major types of Medicare Advantage plans include:

• Health Maintenance Organization (HMO)
  
• Preferred Provider Organization (PPO)
• Private Fee-For-Service (PFFS)
• Special Needs Plan (SNP)

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2023 New York Medicare Advantage plans that are available where you live.

Local health insurance resources in New York

• The state of New York has a program called the Health Insurance Information, Counseling and Assistance Program that provides education surrounding Medicare, Medicare Advantage and other types of public health health insurance.
  
  The goal is to help the state’s insurance beneficiaries better understand their coverage and obtain the proper care. This free program may be reached at 1-800-701-0501.
  
  
• You can also explore more information about the insurance industry in New York by visiting the state’s Department of Financial Services website.
  
  
• New York Prescription Drug Assistance Programs
  The state of New York has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

¹ MedicareAdvantage.com's The Best States for Medicare report.

² Medicare evaluates plans based on a 5-star rating system.