Best Medicare Advantage Plans in New York

More than a dozen companies sell Medicare Advantage plans in New York. See which plans come out on top.
Mar 16, 2022

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More than 3.7 million people in New York are signed up for Medicare, making it the fourth-largest U.S. state for Medicare beneficiaries

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Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.

What to know about Medicare in New York

About 1 in 6 people in New York are 65 and older, and the state offers a variety of Medicare and Medicare Advantage plans

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  • The average monthly premium in 2022 for a Medicare Advantage plan in New York is $30.20. (It was $32.27 in 2021.)

  • There are 280 Medicare Advantage plans available in New York in 2022. (There were 275 plans in 2021.)

  • All Medicare-eligible people in New York have access to a $0-premium Medicare Advantage plan.

Medicare Advantage providers in New York

  • AgeWell New York.

  • Bright Health.

  • CDPHP Medicare Advantage.

  • Centers Plan for Healthy Living.

  • Elderplan.

  • EmblemHealth Medicare HMO.

  • Excellus Health Plan Inc.

  • Healthfirst Medicare Plan.

  • Highmark Blue Cross Blue Shield of Western New York.

  • Independent Health.

  • MediGold.

  • MetroPlus Health Plan.

  • MVP Health Care.

  • Oscar.

  • VNSNY CHOICE Medicare.

Top-rated Medicare Advantage plans in New York

Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are providers with at least one plan that received top marks in New York for the 2022 plan year

. (Get more information about Medicare star ratings.)

5-star plan providers

The providers below offer plans in New York that are rated 5 stars out of 5 by the CMS:

  • CDPHP Medicare Advantage.

  • Excellus Health Plan Inc.

  • Highmark Blue Cross Blue Shield of Western New York.

  • Independent Health.

4.5-star plan providers

The providers below offer plans in New York that are rated 4.5 stars out of 5 by the CMS:

  • Aetna.

  • Excellus Health Plan Inc.

  • Highmark Blue Cross Blue Shield of Western New York.

  • Humana.

  • MVP Health Care.

  • UnitedHealthcare.

  • VNSNY CHOICE Medicare.

Medicare resources in New York

How to choose a Medicare Advantage plan

It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:

  • How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?

You can use Medicare’s plan finding tool to compare plans in your area.

Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in New York? Check out these resources:

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