Medicare Advantage Plans in NY
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all your options.
By contacting us, you will be connected with a licensed insurance agent.
Your Guide to Medicare Advantage Coverage in NY
Serving all of New York from offices in Mayfield and Clifton Park, OB1 Insurance helps you compare Medicare Advantage plans side by side, understand your benefits, and choose the right Part C plan. Get personalized, local support from licensed agents who know New York’s Medicare landscape.
Quick Overview: Is Medicare Advantage Right for You?
Question
Answer
What is it?
Helps avoid probate and gives you control during life and after.
Who is it for?
New Yorkers with Medicare A & B who want more coverage or lower costs.
What’s included?
Hospital, medical, most include dental, vision, hearing, fitness.
How OB1 helps
We compare top carriers to match you with the right coverage and network.
What Medicare Advantage Covers
Medicare Advantage plans (Part C) replace Original Medicare with a single private plan that includes all Medicare-covered services—and often more. You’ll use one member ID card at your doctor or pharmacy.
Types of Advantage Plans Available in NY:
HMO – Choose a primary doctor, get referrals
PPO – Flexibility to see out-of-network providers
SNP – Tailored for chronic conditions or dual eligibility
PFFS – Any Medicare-approved doctor who accepts the plan
Why Medicare Advantage Matters
Choosing the right Medicare Advantage plan helps reduce out-of-pocket costs, simplify coverage, and get benefits not included in Original Medicare. In New York, plans and availability vary by county—and some offer better coverage for specific needs.
Local tip: New York offers guaranteed-issue rights for Medigap, but Advantage plans still require enrollment during eligible periods.
Confused by the fine print? We're here to help.
Plan Types Explained
Not sure which Medicare Advantage plan works best for your situation?
HMO (Health Maintenance Organization):
Requires a primary care doctor and referrals.
PPO (Preferred Provider Organization):
Flexibility to see specialists and out-of-network providers.
SNP (Special Needs Plan):
Designed for people with chronic conditions or Medicaid/Medicare dual eligibility.
PFFS (Private Fee-for-Service):
Choose any doctor that accepts the plan’s terms.
Let’s figure out what suits your health needs and budget.
When Can You Enroll?
Who can join?
Anyone with Medicare Part A and B living in the plan’s area.
What does it cost?
Pay your Medicare Part B premium ($202.90 in 2026, varies), plus any plan premium.
Enrollment Periods:
- Initial Enrollment: 3 months before to 3 months after turning 65
- Annual Enrollment (AEP): October 15 – December 7
- Special Enrollment: For disability, moving, or losing other coverage
Don’t miss your window. We’ll guide you through it.
Download Your Free Medicare Advantage Guide
Want a trusted source? Download the official Medicare Advantage guide from Medicare.gov for a quick overview of plan types, enrollment tips, and coverage rules.
Why Work with OB1 Insurance
- Independent: We’re not tied to one insurer
- Local: Offices in Mayfield and Clifton Park
- Client-focused service: Personalized guidance and responsive support to help you understand your coverage options.
- Experienced: Decades of Medicare experience
You don’t need to do this alone. Let’s compare your options.
Common Questions About Medicare Advantage Plans
Do Medicare Advantage plans cover prescriptions?
Yes, most do. We’ll check your medications against each plan.
How is Medicare Advantage different from Original Medicare?
Advantage plans bundle services under one plan/card. Original Medicare is split across Parts A, B, and optional D.
When can I switch plans?
Every fall during Annual Enrollment or if you qualify for Special Enrollment.
Do I need referrals or stay in-network?
Depends on the plan. HMOs need referrals; PPOs are more flexible.
Required Medicare Disclaimer
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”
“By contacting us, you will be connected with a licensed insurance agent.”
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