Medicare Supplement

Medigap in Yonkers: the plan letters New York actually lets you buy

If you live in Yonkers and you have Original Medicare, a Medigap policy (also called Medicare Supplement Insurance) helps pay some of the out-of-pocket costs Parts A and B leave behind — things like coinsurance, copays, and the Part A hospital deductible.

Medicare SupplementYonkers, NY

What Medigap is, and why the letter matters in Yonkers

Here is the piece a lot of people miss: Medigap plans are federally standardized. That means a Plan G sold by one insurer in Westchester County covers the same medical benefits as a Plan G sold by another insurer down the street. The letter is the benefit package. What changes between insurers is the monthly premium, customer service and any extras.

Three states — Massachusetts, Minnesota and Wisconsin — standardize their plans differently. New York uses the federal letters, so the chart you see on Medicare.gov applies here.

The plan letters a Yonkers resident can buy today

For anyone newly eligible for Medicare, these are the standardized letters available in New York:

• Plan A, Plan B, Plan D, Plan G, High-Deductible Plan G, Plan K, Plan L, Plan M and Plan N.

Plans C and F are closed to people whose Medicare eligibility began on or after January 1, 2020. If you were eligible before that date and never enrolled, you may still be able to buy them; check with the insurer.

Each letter covers a fixed list of benefits. Plan G, for example, covers everything Plan F covers except the Part B deductible. Plan N has lower premiums than G in exchange for small copays at some office and emergency room visits. Plans K and L cap your yearly out-of-pocket costs but only pay a percentage of certain services. The Medicare & You handbook has the full side-by-side chart.

How Medigap fits with Original Medicare and Part D

Medigap is designed for people who keep Original Medicare — Part A (hospital) and Part B (medical). You cannot use a Medigap policy with a Medicare Advantage plan; the two are separate paths.

Medigap does not include prescription drug coverage. If you want help with drug costs, you enroll in a stand-alone Part D plan on top of Original Medicare and your Medigap. A few 2026 Part D facts to keep in mind:

• The annual out-of-pocket cap on covered drugs is $2,100.
• The maximum Part D deductible is $615.
• The old coverage gap ("donut hole") is gone; Part D now has three phases.
• The optional Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments.
• If your income is above $109,000 as a single filer, an IRMAA surcharge may apply to Part B and Part D.

Annual Enrollment for Part D runs October 15 – December 7 each year.

The insurers that sell Medigap in New York

The table on this page lists every insurer approved to sell Medigap in New York along with the letters each one offers. Carriers include AARP – UnitedHealthcare Insurance Company of New York, Bankers Conseco Life Insurance Company, BlueCross BlueShield of Western New York, EmblemHealth Services Company, Globe Life Insurance Company of New York, Humana Insurance Company of New York, Mutual of Omaha Insurance Company and Univera Healthcare West New York.

Not every carrier sells every letter. For example, some offer a High-Deductible Plan G, some do not. Because the benefits are identical within a letter, it is worth requesting a price quote from more than one company for the same letter before you decide.

The New York rules that shape your choice

New York is one of the more consumer-friendly Medigap states, and the local rules matter as much as the letter you pick:

• Community rating. In New York, Medigap premiums for a given plan are the same for everyone who has that plan with that insurer, regardless of age. Rates can still change over time and vary by insurer.
• Guaranteed issue year-round. New York requires insurers to sell you a Medigap policy at any time, regardless of your health history or pre-existing conditions. Most other states only give you that right during your six-month Medigap Open Enrollment window at age 65.
• Pre-existing condition waiting periods may still apply in limited situations; ask the insurer before you sign.

These are state-specific protections. For the most current version of the rules — and to confirm they apply to your situation — contact the New York State Department of Financial Services or your local SHIP (State Health Insurance Assistance Program) counselor, which offers free one-on-one help.

Before you shop

A short checklist that tends to save Yonkers readers time:

1. Decide on the letter first based on the benefits you want. That narrows the field. 2. Get a premium quote from every insurer that sells that letter. 3. Ask about billing options, household discounts where allowed, and how the insurer has handled rate changes historically. 4. If you also need drug coverage, compare Part D plans separately at Medicare.gov's Plan Finder. 5. Confirm your enrollment rights — especially if you are switching from Medicare Advantage back to Original Medicare — with SHIP or the Department of Financial Services.