New York Medicare Made Simple.
Expert guidance from Cham Joun Insurance Agency helping you choose the right Medicare coverage for a secure future in NY.
✔ Licensed 1-on-1 Personalized Consultations
✔ Local NY Advantage & D-SNP Plan Comparisons
✔ 100% Free Expert Support & Ongoing Advocacy
Medicare Plan Details in New York
Medicare Advantage (Part C) NY
Medicare Advantage includes all of the following:
Part A (Hospital)
Part B (Medical)
Part D (Drugs)
Extra Benefits (Dental, Vision, Hearing, OTC, Transit)
New York - Features
$0 premium plans available
$0 PCP visits
$0 Tier 1 drugs
Dental/Vision/Hearing
OTC benefits
Transportation
Many of the plan’s supplemental benefits listed above are provided at no additional cost. Even if the premium is shown as $0, you must keep Medicare Part A and Part B active, and all required premiums for Part A and Part B must continue to be paid by the member.
Medigap (Supplement) — New York
New York has unique Medigap rules:
✔ Year-round Enrollment (Guaranteed Issue)
✔ Community-Rated (Premiums don't rise with age)
Popular Plans
Plan G
Plan N
High-Deductible G
Part D (Rx Drug)
Covers prescription drug costs.
Coverage Items
Generics
Brand drugs
Pharmacy discount
Mail order
D-SNP (Dual Medicare)
Plans for those with both Medicare and NY Medicaid.
Benefits
$0 Premium
$0 Copay
OTC benefits
Dental/Vision/Hearing
Transportation
Care coordination
Medigap (Supplement) — New York
Join anytime
New York State guarantees a continuous open enrollment period throughout the year. You have the right to join or change plans regardless of health status.
Same premium for all ages
Thanks to Community Rating, premiums do not increase just because you get older. All members are subject to the same base premium regardless of age.
Find the right NY Medigap quote.
Essential Medicare facts you need to know
Medicare is a federal health insurance program designed for individuals aged 65 and older, as well as individuals with specific disabilities.
It consists of Part A (Hospitalized Care) and Part B (Outpatient Medical Services), alongside options for Part D (Prescription Drugs) and supplemental coverage.
For many New York beneficiaries, Original Medicare alone may not cover all medical expenses. Out-of-pocket costs for hospital stays, lab tests, and medications can often be higher than expected, leading to monthly financial concerns.
Medicare Advantage (Part C) provides a comprehensive alternative. These plans are managed by private insurance companies approved by Medicare. They combine Hospital, Medical, and Prescription drug coverage into one single, convenient plan.
Many Advantage plans include extra benefits such as:
• $0 monthly premium options
• $0 primary care physician visits
• Low-cost prescription drugs (Tier 1)
• Additional coverage for Dental, Vision, Hearing, and Fitness programs.
Because coverage, costs, and provider networks vary by plan, it is vital to select one that fits your health needs, medications, preferred doctors, and budget.
At Cham Joun Insurance Agency, we simplify complex Medicare details and provide personalized 1-on-1 comparisons to help you choose the best plan for your lifestyle.
Many of the plan’s supplemental benefits listed above are provided at no additional cost. Even if the premium is shown as $0, you must keep Medicare Part A and Part B active, and all required premiums for Part A and Part B must continue to be paid by the member.
Free Experts
Licensed Korean specialists offer clear and friendly guidance on your Medicare options. Consultation is free of charge.
Benefits Process
Fixed Comparison
We find the optimal insurance plan based on your health status, medications, preferred doctors, and budget.
Ongoing Follow-up
We promise ongoing support to resolve any questions or issues that arise while using your insurance after joining.
New York Medicare FAQ
Do you check health for Medigap?
NY implements 'Year-round Open Enrollment' and 'Community Rating.' Thus, you can join any time without rejection due to health, and rates don't rise with age.
Can I have Medicare and Medicaid?
Yes. This is a D-SNP (Dual Eligible Special Needs Plan), a special plan integrating both benefits with no premium burden for those who qualify.
When to join Part D (Rx Drugs)?
It is best to join as soon as you are eligible for Medicare Part A or B. Delaying may result in a Late Enrollment Penalty being applied.
CMS-Required Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1‑800‑MEDICARE (TTY: 1‑877‑486‑2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.