Medicare Supplement Plans in New York | NY Medigap | Empire Blue Skip To Main Content
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Information for New York

Medicare Supplement plans (Medigap)

Medicare Supplement plans, also called “Medigap,” add coverage to Original Medicare to pay for things that Parts A and B don’t cover like your coinsurance, copays, or the Part A and Part B deductibles.

Empire doesn’t currently offer Medicare Supplement insurance in New York, however, we have flexible, affordable Medicare coverage with our, comprehensive Medicare Advantage Plans. To learn more about Supplement insurance, you can read here. Or check out our  Medicare Advantage Plans.

Is Medicare Supplement (Medigap) right for you?


  • You’re enrolled in Original Medicare (Parts A and B).
  • You’d prefer to see any doctor who accepts Medicare, 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.
  • You see a doctor who charges more than the You see a doctor who charges more than the Medicare-approved amount for care.
  • You’d like to buy separate dental and vision insurance once you’re enrolled.


  • 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.

Medicare Supplement plans

Medicare Supplement plans are not currently available to purchase in New York.

To learn about our Medicare Supplement plans in another state, change your state here.

Select a State

Add prescription drug coverage

When you sign up for Medicare and choose a Medicare Supplement plan to help cover your costs, most people add a separate Part D plan at the same time. Part D is Medicare’s Prescription Drug Coverage. Unlike Medicare Supplement, Part D prescription drug coverage is often included in Medicare Advantage Plans.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.
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: WPPLANAM(09)-NY; WPPLANBM(09)-NY; WPPLANFM(09)-NY; WPPLANHiFM(09)-NY; WPPLANGM(09)-NY; and WPPLANNM(09)-NY.


Please check with your doctor before you start a physical activity program. The SilverSneakers® Fitness Program is provided by an independent company. SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time. The SilverSneakers fitness program is provided by Tivity Health, an independent company. Tivity Health and SilverSneakers are registered trademarks or trademarks of Tivity Health, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. ©2017 Tivity Health, Inc. All rights reserved.

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.

Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., independent licensees of the Blue Cross and Blue Shield Association. Serving residents and businesses in the 28 eastern and southeastern counties of New York.