Compare Medicare Plans With Empire

Empire has a range of Medicare plans to fit you and your budget. Let us guide you to the plan that best fits your needs.

Need help finding the right plan? Talk to a licensed agent:


Empire Medicare Plans At A Glance


Compare Medicare plan benefits, costs, and other considerations to help you choose the right plan with confidence.



Medicare Advantage (Part C)



Medicare Supplement (Medigap)


Prescription Drug (Medicare Part D)


Dental And Vision



Monthly Premiums



For most plans.



$44 - 99



$7 - 64


$7 - $64


Covers Original Medicare Part A (hospital) And Part B (doctor visits)



















Copays And Coinsurance


There are copays for services.


Coinsurance for out-of-network services.



For preferred drugs at preferred pharmacies


$0 - $20



20% - 50%




$0 - $20


20% - 50% Coinsurance



Referrals Needed To See Specialists



Usually not needed










Prescription Drug (Part D) Coverage



Almost all










Dental And Vision Coverage


Includes routine Dental, Vision, and Hearing. Optional upgrades.










Allowances For Over-The-Counter (OTC) Health Items, Groceries, Transportation, And More




Almost all
















SilverSneakers® Fitness Membership



Almost all
















Annual Deductibles




Deductible for most plans



$0 - $505


$0 - $50


$0 - $50


Access To Any Doctor Or Hospital That Accepts Medicare Patients2
















Broad Network Of Doctors And Hospitals






Broad network of pharmacies


Broad network of dentists and vision providers


Broad network of dentists


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:


      Dental and vision

      Prescription drug (Part D)

      Flexible spending allowance

And most – if not all – your costs will be covered. Eligibility rules vary by state.


Explore Empire Medicare D-SNPs 

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


Lara's Health

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

  Easy all-in-one coverage for hospital, medical, prescription drug, dental, and vision coverage


  Low monthly premiums, and she pays for care as needed


  Doesn’t travel often, and sees her doctor when needed

Lara's typical monthly costs might be:

195 dollars

Total Monthly Cost

165 dollars

Original Medicare Part B premium

0 dollars

Medicare Advantage Premium

20 dollars

Copay for a doctor’s appointment

10 dollars

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


Lara's Health

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

    Flexibility to choose doctors in and out of the plan network while traveling out-of-state


    Can see specialists without a referral


    Low fixed co-pays for specialist visits and services

Paul's typical monthly costs might be:

220 dollars

Total Monthly Cost

165 dollars

Original Medicare Part B premium

0 dollars

Medicare Advantage premium

0 dollars

Copay for a doctor’s appointment

0 dollars

Copay for a specialist appointment

10 dollars

Copay for prescriptions

Smart Tip: PPOs give you the flexibility to access doctors and hospitals out of network, or see specialists without referrals.


Violet's Health

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

  She has the freedom to choose specialists without referrals


  Peace of mind by controlling out-of-pocket expenses


  Prescription drug costs are within her budget

Violet's typical monthly costs might be:

393 dollars

Total Monthly Cost

165 dollars

Original Medicare‡ Part B premium

175 dollars

Medicare Supplement Plan G premium

43 dollars

Prescription Drug (Part D) premium

0 dollars

Copay for a doctor’s appointment

10 dollars

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.

Need Help Or Ready To Shop?

Enter your Zip code below to find plans available in your area.

Have questions? Talk to a licensed agent:


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.