New York State Medicare: Applying for New York Medicare | GoHealth (2024)

Key Takeaways

• All New Yorkers age 65 and older who are U.S. citizens or permanent residents qualify for Medicare in New York.

• Medicare isn’t free; most parts of Medicare have a monthly premium A premium is a fee you pay to your insurance company for health plan coverage. This is usually a monthly cost. . There are programs available to help lower costs for those who qualify.

• Medicare Advantage 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). in New York is an alternative to Original Medicare 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). that can offer savings regardless of financial need.

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.

The federal government created Medicare in 1965 to benefit U.S. citizens ages 65 and older. You are eligible for Medicare in NY regardless of your age if:

• 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).

Those who are eligible can select Part A (hospital insurance) and Part B (medical insurance). Once enrolled in Part A and B, Medicare beneficiaries have the option of switching to Medicare Advantage in New York (also known as Part C) from a private insurance company that includes other benefits like dental and vision coverage.

What Is the Income Limit for Medicare in NY?

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.

Does New York Have Free Healthcare?

How Does Medicare Work in NY?

Enrolling in both Parts A and B of Original Medicare opens the door for you to replace it with Medicare Advantage in New York. While Original Medicare can be used at any provider nationwide that accepts Medicare, Medicare Advantage plans feature a regional network of providers. One of these four types of Medicare Advantage networks may be the right fit for your specific situation:

• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)
• Fee for Service (FFS)
• Point of Service (POS)

The advantage of Medicare Advantage plans is that they offer some coverage that Original Medicare doesn’t (like dental and vision and hearing coverage) while also matching the coverages offered by Original Medicare at a savings.

While there’s only one Original Medicare plan, there are countless Medicare Advantage plans. A GoHealth licensed insurance agent can help you navigate Medicare Advantage in New York so you can make an educated decision.