NY Medicare Supplement plans.
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NY Medicare Supplement plans that we offer:
1. Globe Life (formerly First United American) - offer plans A, B, C, D, F, F+, G, G+, K, L and N. Globe Life are the highest financially rated plans in NY. Globe Life only has a 60 day waiting period for individuals enrolling who did not have any prior insurance. There is no waiting period for individuals enrolling with prior coverage.
2. UnitedHealthCare - offer plans A, B, C, F, G, K, L and N. UnitedHealthCare plans have a 6 month waiting period for individuals enrolling without prior insurance coverage. There is no waiting period for individuals enrolling with approved prior coverage.
3. Empire Blue Cross Supplement plans - offer plans A, B, F, G, and N. Only supplement plan to include the Silver Sneakers free gym membership benefit. Empire 2020 rates
A traditional Medicare Supplement is very different from Medicare Advantage. With Medicare Supplements you still use your original Medicare Card, and add your Medicare Supplement health card. These plans are also provided by insurance companies, but they simply supplement the coverage gaps and deductibles not provided by original Medicare Part A and Part B.
If you have Medicare Part A and Part B, your Medicare supplement plan will pay the portion of your medical bill that Medicare will not pay. Of course, Medicare supplement plans differ, and so you need to be aware of exactly which portions a Medicare Supplement plan will pay before you sign up. For instance, Medicare may be 80% of your major medical bills, and your supplement will pick up the other 20%. Medicare pays your hospital bill except for a $1,260 deductible for the first 60 days in the hospital and your supplement may pay the deductible and will pay after the 60th day in the hospital.
Medicare supplements come with premiums, and also may exclude unhealthy individuals. However, they generally provide the broadest access to health care.
Choosing a Medicare health plan can be one of the most important decisions a Medicare beneficiary will make. Let us help you find the right plan to fit your needs, lifestyle, and budget