Medicare in New York

Written by: Bryan Strickland

Reviewed by: Stephanie Demus, Licensed Insurance Agent
Key Takeaways
All New Yorkers age 65 and older who are U.S. citizens qualify for Medicare in New York.
Medicare isn’t free; most parts of Medicare have a monthly premium . There are programs available to help lower some or all costs for those who qualify.
Medicare Advantage in New York is an alternative to Original Medicare 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 sleep 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.
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Who is Eligible for 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 (also known as “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) for Parts A and B from a private insurance company that includes other benefits like dental and vision coverage.
What is the Income Limit for Medicare in NY?
Medicare is offered to qualified New Yorkers regardless of their income, though it is possible that your annual income could mean you pay less than the standard costs associated with Medicare. And, though rare, it is possible you could pay more than the standard because of your income level.
- 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 $170.10 for 2022. Higher rates come into play for individuals with a modified adjusted gross income above $91,000 (or married couples above $182,000).
Are you eligible for cost-saving Medicare subsidies?
How Much Does Medicare Cost in New York?
The cost of Medicare in New York varies by plan, but some part of Medicare may have a standard monthly premium. Still, 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?
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.”
What extra benefits and savings do you qualify for?
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 things like dental and 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).
What Are 4 Types of Medicare Advantage Plans?
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:
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What is the Best Medicare Advantage Plan in New York?
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.
Medicare in New York by the Numbers
Medicare
New York
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Table reflects the latest Beneficiary Demographics Data: Medicare Geographic Variation – by National, State & County
Average HCC Score: The Hierarchical Condition Category score gauges a population’s overall health. The score is based on a value of 1.0. Populations with an HCC score of less than 1.0 are considered relatively healthy. The score can be used to estimate health costs.
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NY Medicare Resources & Contacts
Beneficiaries spend an average of $13,254.01 each year on Medicare in New York. To be certain you are not leaving anything on the table, let us help. A GoHealth licensed insurance agent can assess your coverage or explain which New York-based resources, like these, may be able to help:
Nationwide Resources
Medicare Learning Guides
Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you

Medicare guide
Before 65 Guide
Understanding health insurance before age 65, especially when considering early retirement

Medicare guide
Medicare Plans Guide
Costs, coverage and enrollment details for each Medicare plan

Medicare guide
Medicare Beneficiary Guide
For those currently enrolled in Medicare

Medicare guide
Low Income and Medicare Guide
For individuals with a qualifying income status

Medicare guide
A Caregiver’s Guide
For individuals with a qualifying income status