Medicare Supplement

Medigap in New York for 2027: 8 Insurers and the Plans They Sell

NEW YORK — As Annual Enrollment 2027 approaches, New Yorkers on Medicare are once again weighing how they want their coverage to work. For people on Original Medicare, a Medicare Supplement policy — commonly called Medigap — is the companion that fills in some of what Parts A and B leave behind. A search on Medicare.gov's Medigap policy finder for ZIP code 14201 (Buffalo) returns eight insurers offering federally standardized plans, and the lineup is a useful snapshot of what the shopping landscape looks like in the state.

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What is Medigap and how is it different from Medicare Advantage in New York?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to pay some of the deductibles, copays and coinsurance Medicare does not. Medicare Advantage (Part C), by contrast, replaces Original Medicare with a private plan that bundles hospital, medical and usually drug coverage. You cannot use a Medigap policy with a Medicare Advantage plan; Medigap only pairs with Original Medicare. Plans sold today are standardized by letter under federal rules, so a Plan G from one company covers the same federally defined benefits as a Plan G from another. Price and customer service can differ even when the benefits do not.

Which insurers sell Medigap in New York and which plan letters do they offer?

According to Medicare.gov's Medigap policy search for ZIP code 14201, eight insurers are listed, with the following federally standardized plan letters:

• AARP – UnitedHealthcare Insurance Company of New York: A, B, C, F, G, K, L, N
• Bankers Conseco Life Insurance Company: A, B, F, F-HD, G, G-HD, K, L, M, N
• BlueCross BlueShield of Western New York: A, B, C, F, F-HD, G, N
• EmblemHealth Services Company: A, B, C, F, F-HD, G, G-HD, N
• Globe Life Insurance Company of New York: A, B, C, D, F, F-HD, G, G-HD, K, L, N
• Humana Insurance Company of New York: A, B, C, F, F-HD, G, G-HD, K, L, N
• Mutual of Omaha Insurance Company: A, B, C, D, F, G, M
• Univera Healthcare West New York: A, B, C, D, F, F-HD, G, G-HD, N

Across the listed insurers, plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N appear at least once. Which plans an insurer actually sells to you can vary by ZIP code and by age, sex and tobacco use, so the list in your own ZIP code may look different. Plans C and F (including F-HD) are closed to people who became newly eligible for Medicare on or after January 1, 2020.

When is the six-month Medigap Open Enrollment Period for New Yorkers turning 65?

The federal Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are 65 or older and enrolled in Medicare Part B. During that window, insurers must sell you any Medigap policy they offer at the same price available to healthy applicants, regardless of your health history. Outside that window, federal law generally lets insurers use medical underwriting, which can affect whether you can switch and on what terms. New York applies its own additional rules on top of federal ones; details on how they work in your situation are available on Medicare.gov and from the insurer.

What happens if my Medicare Advantage plan in New York is not returning in 2027?

If your Medicare Advantage plan will not be offered in 2027, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. CMS Landscape files show that 63 Medicare Advantage plans offered in New York in 2026 will not be offered anywhere in the state in 2027, which means members of those plans will fall into this protection. Your plan is required to send a non-renewal notice explaining the window to act. You can also return to Original Medicare and pick up a stand-alone Part D plan during Annual Enrollment, which runs October 15 – December 7, 2026 for coverage effective January 1, 2027.

Does Medigap cover prescription drugs in 2027?

No. Medigap sold today does not include prescription drug coverage, so people who want drug coverage with Original Medicare enroll in a stand-alone Part D plan. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums, deductibles and drug lists are set plan by plan and are posted on the Medicare Plan Finder.

How should New Yorkers compare Medigap policies for 2027?

Start by comparing the same plan letter across insurers, because the federally defined benefits inside, say, Plan G or Plan N are identical from company to company. From there, the differences come down to premium, how the insurer prices the policy over time, customer service, and whether household or other discounts apply. The Medigap policy search on Medicare.gov lets you see which insurers file plans in your ZIP code; the insurer or 1-800-MEDICARE can confirm what is actually available to you based on age, enrollment timing and other factors. Keep in mind the Social Security Administration announced a 3.6 percent COLA for benefits payable beginning January 2027, which can affect household budgeting as you compare.

Where can New Yorkers get free help with Medicare questions?

Medicare.gov hosts the official Plan Finder and Medigap policy search, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock for questions about enrollment periods, guaranteed-issue rights and how plans work. Both are free to use and are the authoritative sources for personal eligibility details.