Medicare in New York

A premium is a fee you pay to your insurance company for health plan coverage. This is usually a monthly cost.

Medicare Advantage (Medicare Part C) is health insurance for Americans aged 65 and older that blends Medicare benefits with private health insurance. This typically includes a bundle of Original Medicare (Parts A and B) and Medicare Prescription Drug Plan (Part D).

Original Medicare is a fee-for-service health insurance program available to Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance).

The state of New York is the proud home of the city that never sleeps.

GoHealth won’t rest until New Yorkers understand their options when it comes to Medicare. If you want to be a part of it, keep reading to learn everything you need to know about Medicare in New York.

Who Is Eligible for Medicare in New York?

• You have received 24 monthly payments of Social Security Disability Insurance or Railroad Benefits.
• You have end-stage renal disease or Lou Gehrig’s disease (also known as amyotrophic lateral sclerosis or ALS).

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What Is the Income Limit for Medicare in NY?

• If you’re a Medicare beneficiary facing financial hardships but you make too much money to qualify for Medicaid — a federal health insurance program for those in need regardless of age — you still may qualify for a Medicare Savings Program to help ends meet.
• On the other end of the spectrum, less than 5% of people utilizing Original Medicare in New York have to pay more than the standard monthly Part B premium of $174.70 for 2024. Higher rates come into play for individuals with a modified adjusted gross income above $103,000 (or married couples above $206,000).

How Much Does Medicare Cost in New York?

The cost of Medicare in New York varies by plan, but some parts of Medicare have a standard monthly premium. If you or your spouse have contributed to Medicare and Social Security taxes for at least 10 years, your Part A plan will not have a monthly premium. Part B and Part D (an optional addition) will always have a monthly premium with Original Medicare. Medicare Advantage is a private insurance alternative to Part A and Part B, and costs can vary by plan and carriers.

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Does New York Have Free Healthcare?

If you’re looking for affordable healthcare insurance, Part A provides hospital coverage without a monthly premium, though because of the plan’s deductibles, copays, and coinsurance, it can’t be called “free.”

If you’re in need of free or low-cost health insurance because of your financial situation, some people on Medicare in New York can save through a Medicare Savings Program, while some facing more needs may qualify for Medicaid in New York.

Income limits for Medicaid eligibility change annually. The New York State Department of Health periodically updates income limits on its Medicaid web page under “General Medicaid FAQs.”

How Does Medicare Work in NY?

Knowing whether you are eligible to enroll in Medicare in NY and whether you qualify for financial assistance is one thing; knowing what you’re actually enrolling in is another thing.

Parts A and B are known as Original Medicare, and enrolling in Original Medicare in New York triggers the option to add Part D and Medigap. Medicare Advantage in New York (Medicare Part C) bundles coverage offered by Parts A, B, and usually Part D.

Original Medicare

While Part A is hospital insurance and Part B is medical insurance offered by the federal government, Part D is drug coverage administered by private insurance companies under federal guidance. Medigap is Medicare Supplement Insurance, also administered by private insurance companies, that helps control out-of-pocket costs for people with Parts A and B.

Medicare Advantage

Medicare Advantage is private insurance approved by Medicare to meet all of the needs mentioned above while also offering supplemental coverage like dental, vision, and hearing coverage.

Apply for Medicare in New York

You can apply for Medicare in NY online with the Social Security Administration, by visiting a Social Security office in New York or by calling 1-800-772-1213 (TTY: 1-800-325-0778).