Medicare Supplement Plans in New York | NY Medigap | Empire Blue Skip To Main Content
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Medicare Supplement plans (Medigap)

Medicare Supplement insurance plans help with costs that Original Medicare doesn’t cover, like your coinsurance, copays, or the Part A and Part B deductibles. You can add these plans once you’ve enrolled in Original Medicare, and they let you visit any doctor who accepts Medicare patients.

Empire has been serving New Yorkers for over 75 years. Come find which plan works best for you!

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Is Medicare Supplement (Medigap) right for you?

Yes

  • You’re enrolled in Original Medicare (Parts A and B) and you live in one of the 28 New York counties served by Empire.
  • You want peace of mind knowing you’ll have help with many of the costs that Original Medicare doesn’t cover.
  • You’d like the flexibility to see any doctor who accepts Medicare patients, not just the doctors in a network, and without referral.
  • You plan to travel in the United States and want to be able to see any doctor who accepts Medicare patients.
  • You see a doctor who charges more than the Medicare-approved amount for care.

No

  • You’re not enrolled in Original Medicare (Parts A and B).
  • You have coverage from an employer that pays all or some of the costs that Original Medicare doesn’t cover.
  • You have coverage through your union that pays all or some of the costs that Original Medicare doesn’t cover.
  • You’re going to sign up for a Medicare Advantage Plan (Part C) in New York.

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The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.

Once enrolled into your Medicare Supplement insurance plan, your coverage is guaranteed for the life of the plan with only two exceptions/restrictions: nonpayment of premiums and material misrepresentation.

This policy meets the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

Products offered are not connected with or endorsed by any division or agency of the state of New York, the United States government, or the Federal Medicare program.
The policy form numbers are: APLANAM(17)-NY BCBS; APLANBM(17)-NY BCBS; APLANFM(17)-NY BCBS; APLANGM(17)-NY BCBS; and APLANNM(17)-NY BCBS.

A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER

Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc. licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. All external sites will open in a new browser window. Please view our website Privacy Policy for more information.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711). 注意:如果您使用非英語的其他語言,您可以免費獲得語言援助服務。請致電聯絡客戶服務部(聽語障用戶請致電:711)。

AADVWS034M(18)-NY