The Best Medicare Supplement (Medigap) Plans in New York

Christian Worstell
In this article...
  • New York Medicare Supplement (Medigap) plans pick up some of the costs Medicare doesn't cover. Read our review of Medigap plans in New York to find one that meets your needs.

Original Medicare is managed by the federal government. It doesn't cover all services, and it comes with several out-of-pocket costs that can be difficult to afford on a fixed income.

Medicare Supplement Insurance, often referred to as Medigap, works with Medicare Part A (inpatient coverage) and Medicare Part B (outpatient and preventive coverage) to reduce these costs. Original Medicare pays a percentage of the Medicare-approved amount, and then, the Medigap plan pays its share.

Nearly one-fourth (24%) of Original Medicare beneficiaries in New York are enrolled in a Medicare Supplement plan.1 If you're enrolled in Original Medicare and don't have a Medigap plan, use the research below to learn more about your options.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best New York Medicare Supplement Plans?

To make it easier for consumers to understand their coverage options, 47 states and the District of Columbia use the same standardization rules for every Medigap plan. Only Minnesota, Massachusetts and Wisconsin follow different guidelines. As a result, it's easy to compare one plan with another and see which one is likely to give you the best coverage for your needs. The chart below lists the plans and breaks down the benefits included with each one.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All New York Medigap plans provide 365 days of hospital coverage in addition to what Original Medicare already covers. They also pay Medicare Part A coinsurance, which can range from $408 to $816 per day in 2024, depending on how many days of care you use in a benefit period. All New York Medigap plans pay Medicare copays, but not all of them cover copays at 100%. Depending on which plan you choose, there may be additional limitations.

Plans F, G and N are among the most popular Medigap options.1 Many people sign up for the F and G plans because they have low monthly premiums; however, plan F is not available to enrollees who didn't become eligible for Medicare before January 1, 2020. Because plans F and G have low premiums, they also have high deductibles.

Plan N also has reasonable premiums, but it offers more coverage. For example, it covers 100% of most Medicare copays. You may have to pay a $20 copay to see a doctor or a $50 copay for an emergency room visit, but Plan N will cover your other copays in full.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a New York Medigap Plan?

To enroll in a Medigap plan, you must also be enrolled in Medicare Part A and Medicare Part B. The best time to enroll is during your Medigap open enrollment period that starts the first month you're at least 65 years old and enrolled in Medicare Part B. Your Medigap open enrollment lasts for 6 months and is the best time to sign up because you'll have unlimited access to all New York Medigap plans. Insurance companies can't deny your application because of your health history or charge you more money than a healthy person for the same plan. Therefore, Medigap plans are a "guaranteed issue" form of insurance during your Medigap open enrollment period.

If you don't enroll during your six-month Medigap open enrollment period, insurance companies can use underwriting to determine how much to charge you or decide whether to turn down your application for coverage. For example, if you have heart disease or another chronic medical condition, an insurer may charge you a higher premium than someone without any serious illnesses.

There are some exceptions, however. 

  • Your insurer may be allowed to impose a six-month waiting period for any pre-existing conditions, meaning it won't cover expenses related to a pre-existing condition until you've had the policy for at least six months.

  • If you've had some other type of coverage for at least six months, you may be able to get immediate coverage for your pre-existing conditions.

  • You keep your guaranteed issue rights if you lose your Medigap coverage through no fault of your own or if you originally enrolled in Medicare Advantage and then decided you'd rather have Original Medicare with Medicare Supplement Insurance. To keep your guaranteed issue rights in the second scenario, you must decide to leave Medicare Advantage within a year of your enrollment date.

  • If you have group health coverage or some other type of health insurance after you turn 65, your Medigap open enrollment period won't start until you sign up for Medicare Part B, provided your Medicare Part B coverage starts the same month your previous coverage ends.
  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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