at a glance
  • Medicare supplement (Medigap) plans can help you cover your out-of-pocket costs from Medicare.
  • You can use a Medicare supplement plan only with original Medicare, not a Medicare Advantage plan.
  • EmblemHealth offers several Medicare supplement plans to residents across New York state.

Like many Medicare supplement insurance providers, EmblemHealth has a variety of supplemental or Medigap plans available for purchase in 2021.

These plans cover costs that go beyond your regular Medicare coverage, like medical copayments and emergency care in foreign countries.

Read on to find out more about the Medigap plans that EmblemHealth offers in New York state for 2021.

Every EmblemHealth Medicare supplement plan covers several basic benefits. These include:

  • Part A hospitalization coinsurance costs, plus an additional 365 days of hospital coverage in your lifetime after Medicare coverage ends
  • Part B coinsurance costs
  • the first three pints of blood you might need each year
  • coinsurance for hospice care

Anyone who is eligible for Medicare and enrolled in Medicare Part B can enroll in a Medicare supplement plan.

EmblemHealth plans are only offered to residents of New York state who don’t receive benefits from Medicaid or another private insurance company’s supplement plan.

EmblemHealth Medigap plan extra benefits

Once you become a member, EmblemHealth guarantees coverage for life as long as you’re up to date on your premium payments.

You won’t be restricted to a network or certain providers. EmblemHealth supplement plans can be used at any provider that participates in Medicare.

Additionally, EmblemHealth offers a free 24/7 nurse line to all members to answer any health questions you may have.

EmblemHealth offers eight different Medicare supplement plans, including high-deductible versions of Plan F and Plan G. Each plan from EmblemHealth covers different services at different prices.

Please note that Plan C and Plan F are available only to those who were first eligible for Medicare before January 1, 2020.

Here’s a breakdown of EmblemHealth Medigap plans:

  • EmblemHealth Medicare Supplement Plan A. Plan A mainly helps pay for hospital and hospice coverage.
  • EmblemHealth Medicare Supplement Plan B. Plan B offers the same coverage as Plan A but also covers your Part A deductible.
  • EmblemHealth Medicare Supplement Plan C. Plan C is a very robust plan. It covers the Medicare Part B deductible, skilled nursing facility care, and foreign travel.
  • EmblemHealth Medicare Supplement Plan F. Plan F is the most comprehensive plan, covering the Part B excess charges in addition to all the benefits of Plan C. EmblemHealth offers a high-deductible version of this plan for a lower monthly premium.
  • EmblemHealth Medicare Supplement Plan G. This plan offers coverage for Part B excess charges and foreign emergency care. It’s a popular plan for those who aren’t eligible for plans C or F. EmblemHealth has a high-deductible version of Plan G as well.
  • EmblemHealth Medicare Supplement Plan N. With this plan, you’ll still have copays for Part B services, but they’ll be much lower than what you’d pay without the plan. You’ll also have coverage for hospital care, foreign travel, and more.

Costs vary for each supplement plan based on the services they cover.

Some plans, like those offered by EmblemHealth, also have variable prices by county or region. EmblemHealth plans are split into five different price regions.

Here’s an example of some of the plans offered by EmblemHealth and their monthly premium costs for 2021:

RegionPlan APlan BPlan CPlan FHigh-deductible Plan FPlan GHigh-deductible Plan GPlan N
Albany$185.48$242.45$288.56$508.59$71.46$291.64$65.36$212.45
Buffalo$175.46$229.40$272.95$481.07$67.43$275.18$61.67$200.46
Downstate$194.87$253.28$300.87$530.29$74.00$302.00$67.69$220.00
Mid-Hudson$185.48$242.45$288.56$508.59$71.46$291.64$65.36$212.45
Rochester$175.46$229.40$272.95$481.07$67.43$275.18$61.67$200.46
Syracuse$181.39$237.12$282.08$497.18$69.86$285.09$63.90$207.68
Utica/Watertown$175.46$229.40$272.95$481.07$67.43$275.18$61.67$200.46

Medicare supplement plans, or Medigap plans, are optional products offered by private insurance companies to people with original Medicare. Original Medicare is made up of parts A and B together.

These plans can be used to help pay for certain out-of-pocket costs like copayments or other items not covered by standard Part A and Part B coverage.

Each insurance company has its own menu of Medigap plans, and what they offer may vary specifically by location.

Not every plan type is available in every state. And in a single state, not every plan is available to all of that state’s residents. Check with the insurer for specific location and eligibility criteria.

You may not purchase a Medigap plan if you have already moved from original Medicare to a Medicare Advantage (Part C) plan.

  • EmblemHealth is a private insurance company that offers supplemental insurance plans to people with original Medicare.
  • These plans help cover out-of-pocket healthcare costs.
  • Monthly premium costs vary by plan and where you live.

The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance.

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