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Empire Medicare Plans At A Glance
Compare Medicare plan benefits, costs, and other considerations to help you choose the right plan with confidence.
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Medicare Advantage (Part C)
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Medicare Supplement (Medigap) |
Prescription Drug (Medicare Part D) |
Dental And Vision |
|---|---|---|---|---|
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Monthly Premiums |
$0 For most plans.
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$44 - 99
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$7 - 64 |
$7 - $64 |
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Covers Original Medicare Part A (hospital) And Part B (doctor visits)
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Copays And Coinsurance |
There are copays for services.
Coinsurance for out-of-network services. |
$1 For preferred drugs at preferred pharmacies |
$0 - $20 Copays
20% - 50% Coinsurance
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$0 - $20 Copays 20% - 50% Coinsurance
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Referrals Needed To See Specialists
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Usually not needed |
N/A |
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Prescription Drug (Part D) Coverage
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Almost all |
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Dental And Vision Coverage
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Includes routine Dental, Vision, and Hearing. Optional upgrades. |
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Allowances For Over-The-Counter (OTC) Health Items, Groceries, Transportation, And More
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Almost all |
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SilverSneakers® Fitness Membership |
Almost all |
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Optional
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OPTIONAL
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Annual Deductibles
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$0 Deductible for most plans
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$0 - $505 |
$0 - $50 |
$0 - $50 |
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Access To Any Doctor Or Hospital That Accepts Medicare Patients2
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N/A |
N/A |
N/A |
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Broad Network Of Doctors And Hospitals
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Broad network of pharmacies |
Broad network of dentists and vision providers |
Broad network of dentists |
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Monthly premium range rates are for 2023.
Dual Special Needs Plans (D-SNPs)
For people with Medicare and Medicaid, Empire Dual Special Needs Plans (D-SNPs) offer coverage that’s not included with Original Medicare‡:
And most – if not all – your costs will be covered. Eligibility rules vary by state.
Find A Medicare Plan That’s The Right Fit
There’s a lot to consider when it comes to finding the right health coverage. Let’s look at a few scenarios to help you better understand your options.1
Meet Lara
“I’m finally retiring and can’t wait to spend more time with my new grandkids. I love my family doctor and I’m healthy. I just want Medicare coverage that will help me stay that way.”
Lara chose Medicare Advantage (Part C) HMO
Why It Works For Lara
Lara's typical monthly costs might be:
Total Monthly Cost
Original Medicare‡ Part B premium
Medicare Advantage Premium
Copay for a doctor’s appointment
Copay for prescriptions
Smart Tip: This works great for someone who would rather pay for care as needed, rather than a higher monthly premium.
Review Lara's Medicare Plans
Meet Paul
“My wife and I like to travel, but I’m also working through some issues with my knees and joints that make it hard to get around. I need a plan that lets me see specialists, easily and wherever I am.”
Paul chose the Medicare Advantage (Part C) PPO plan
Why It Works For Paul
Paul's typical monthly costs might be:
Total Monthly Cost
Original Medicare‡ Part B premium
Medicare Advantage premium
Copay for a doctor’s appointment
Copay for a specialist appointment
Copay for prescriptions
Smart Tip: PPOs give you the flexibility to access doctors and hospitals out of network, or see specialists without referrals.
Review Paul's Plan
Meet Violet
“I’m nervous about losing my company’s insurance when I retire. I manage significant health issues and need to see specialists throughout the year. I’m worried Medicare won’t cover everything.”
Violet chose a Medicare Supplement plan plus Prescription Drug coverage
Why It Works For Violet
Violet's typical monthly costs might be:
Total Monthly Cost
Original Medicare‡ Part B premium
Medicare Supplement Plan G premium
Prescription Drug (Part D) premium
Copay for a doctor’s appointment
Copay for prescriptions
Smart Tip: This coverage works well for someone who needs flexibility to get the care they need without costs getting out of hand.
Review Violet's Plans
Get More Resources And Support
Take a deeper dive into detailed information about plans, benefits, eligibility, and more.
Our plan recommendation tool will help you find a plan that’s right for you.
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Enter your Zip code below to find plans available in your area.
‡Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
1Examples are for illustration only. Costs may vary.
Empire BlueCross BlueShield is a Medicare Advantage plan with a Medicare contract. Empire BlueCross BlueShield is a SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Empire BlueCross BlueShield depends on contract renewal.