Medicare Supplement Insurance Plans In New York With Empire

Medicare Supplement insurance plans, also called Medigap, help pay for deductibles and coinsurance that Original Medicare doesn’t cover.

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


Your Medicare Supplement Options


You can enroll in a Medicare Supplement plan if you already have Original Medicare Part A and Part B, and you live in New York.


With Medicare Supplement coverage, you can use any doctor or hospital that accepts Medicare patients. Empire offers Medicare Supplement plans, all of which cover 100% of Part A and Part B coinsurance. All of our plans also include SilverSneakers® fitness memberships.

Benefits Plan A Plan B Plan F Plan G Plan N

Part A coinsurance and hospital costs






Part B coinsurance or copay






Blood (first 3 pints)






Part A hospice care coinsurance or copay






Skilled nursing facility care coinsurance






Part A deductible






Part B deductible






Part B excess charge**






Foreign travel






*Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits that doesn't result in an inpatient admission.  


**New York limits the amount that Medicare non-participating providers can charge over the Medicare-approved amount to 5%. 

Empire Offers Medicare Supplement Insurance Plans A, B, F, G, and N


Medicare Supplement Plan A


Plan A is the most basic of Medigap plans, with the lowest premiums. It is the only Medicare Supplement plan that doesn’t cover the Part A deductible.


Medicare Supplement Plan B


Plan B has all the same coverage options as Medicare Plan A, but with the added benefit of coverage for the Part A deductible.


Medicare Supplement Plan F


Plan F covers Medicare deductibles and some copayments and coinsurance. Per government regulation, Plan F is only available if you first became eligible for Medicare before January 1, 2020.


Medicare Supplement Plan G


Plan G covers all out-of-pocket not covered by Original Medicare for Medicare approved services, except for the Medicare Part B deductible.


Medicare Supplement Plan N


Plan N helps pay for Medicare Part A and Part B coinsurance costs. You'll be responsible for deductibles and copayments, but you'll have lower monthly premiums.

Prescription Drug Coverage


Medicare Supplement plans do not include prescription drug coverage, but you can purchase a Part D plan for an additional premium to help cover medication costs.


Learn more about Part D plans. 

Medicare Supplement Or Medicare Advantage?


You can have a Medicare Supplement plan or a Medicare Advantage (Part C) plan but not both.
Here are some key differences to help you choose.

Medicare Supplement Plans

  • Offer the option to purchase a Part D prescription drug plan.
  • Allow you to keep the same coverage once you’ve enrolled in a plan, with no need to renew (as long as you pay your premium).
  • Allow you to see any doctor or hospital that accepts Medicare patients.
  • Move with you, if you relocate.


Medicare Advantage Plans

  • Include dental, vision, and hearing coverage, and most also cover prescription drugs.
  • Can change and do not offer guaranteed lifetime coverage once you’ve enrolled.
  • Can be a PPO or HMO.
  • Can have a $0 premium.
  • Can only move with you if the plan is available in your area.


Find Options Available In Your State

If your state isn’t listed, visit for other coverage options.

Attend a Free Medicare Event

Sign up for a free Medicare event to learn how Empire Medicare plans help cover costs that Original Medicare doesn’t. You can attend a virtual Medicare webinar. Or, if you prefer, come to a live seminar in your area where a Medicare licensed agent will be present to answer your questions.

Find An Event

Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).