New York Medicare Advantage Health Plans for Seniors

About Medicare Advantage Health Plans in New York

New York Medicare Advantage Plans are health plan options (like an HMO or PPO) approved by Medicare and offered by private companies. Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. Not all Medicare Advantage Plans work the same way, so find out the plan’s rules before joining. These plans are part of Medicare and are sometimes called “Part C” or “MA Plans.” These companies must follow rules set by Medicare.  Medicare Advantage Plans provide your Medicare health coverage and usually Medicare drug coverage. They aren’t supplemental insurance.

You may need a referral to see specialists. You should check with your doctors or hospital to find out if they accept the plan. Some Medicare Advantage Plans have provider networks. In some plans, if you see a doctor or other provider who doesn’t contract or participate with the plan, your services may not be covered at all, or your costs will likely be higher. In some cases this means you can only see doctors who belong to the plan or go to certain hospitals to get covered services (other than for emergency or urgently needed care or medically-necessary dialysis).

Medicare Advantage and Medigap Policies

You don’t need to buy (and can’t be sold) a Medigap (Medicare Supplement Insurance) policy. It won’t cover your Medicare Advantage Plan deductibles, copayment, or coinsurance.

Medicare Advantage Health Plans in New York