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New York Medicare and Senior Health (NY)

Medicare Advantage plans are considered supplementary health insurance that people who already have Medicare Part A and B can avail of. The initial enrollment period (IEP) for Medicare is between 3 months before and after reaching the age of 65; late enrollment will result in penalties. In some cases, disability cases are allowed to enroll before this period, specifically from the 22nd to the 28th month of disability. Enrollment for first-time Medicare Advantage plan enrollees is from January 1 to March 31 of each year. Switching Medicare Advantage plans can only be done from November 15 to December 31 and will remain in effect for the whole of the following year. Switching automatically cancels enrollment in the old Medicare Advantage plan.

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Medicare Advantage plans may include coverage for vision, hearing, dental, and health and wellness programs. If the current Medicare Advantage plan proves unsatisfactory or otherwise ineligible, switching is allowed only under certain circumstance, as follows:

Plan switching can be effected between November 15 and December every year
Enrollee moves permanently outside the area of coverage of the exiting Medicare Advantage plan provider
Enrollee is deemed qualified for extra help for prescription drug payment by Medicare
The current Medicare Advantage plan no longer provides prescription drug coverage

Medicare Advantage Plan Details

In the selected parts or the whole state of New York, at least 86 Medicare Advantage plans are available in a variety of formats. Typically, an Medicare Advantage with prescription drug coverage* is ideal, and in New York, three of the Medicare Advantage prescription drug plans without monthly premiums are:

Elderplan Extra [H3347 - 004]
GHI Medicare PPO II [H5528 - 002]
Liberty Health Advantage Secure Choice [H3337 - 004]

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Providers for Medicare plans available in New York¹

AARP
Advantra
Aetna
Affinity Health Plan
AmeriChoice
AMERIGROUP
ArchCare
Blue Cross
CDPHP Medicare Choices
CIGNA
Comprehensive Care Management Corp.
Elderplan
Evercare
Excellus
Excellus
Fidelis
Fresenius Medical Care Health Plan
GHI Medicare
GuildNet
Health Net
Healthfirst
HIP Health Plan
Humana
Independent Health
Liberty Health Advantage
MetroPlus
MVP Gold
Neighborhood Health Providers
Preferred Care Gold
SecureHorizons
Senior Blue
Senior Whole Health
Sterling Options
Today’s Options
Touchstone Health
Traditional Blue Medicare
UniCare
VNS CHOICE
WellCare

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* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:

1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;

The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office