Medicare Supplement Plan G in New York — 2026 Rates & Guide

This guide covers Medicare Supplement Plan G in New York — average 2026 premiums by age, New York's rating rules, top insurers, and how to enroll with the best protection available in your state.

Plan G Coverage Overview

Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare beneficiaries. It covers all Original Medicare cost-sharing except the annual Part B deductible ($257 in 2026). After you pay that deductible once per year, Plan G pays 100% of all Medicare-approved costs for the remainder of the year.

Plan G benefits are federally standardized — every insurer selling Plan G in New York must provide identical coverage. The only variable between insurers is the monthly premium and their premium increase history over time.

What Plan G Covers

• Part A coinsurance & hospital costs (up to 365 days after Medicare): ✓ Fully covered
• Part A deductible ($1,676 in 2026): ✓ Fully covered
• Part A hospice care coinsurance or copayment: ✓ Fully covered
• Part B coinsurance or copayment (20% of outpatient costs): ✓ Fully covered
• Part B deductible ($257 in 2026): ✗ Not covered — you pay this cost — The only cost you pay — $257 in 2026
• Part B excess charges (above Medicare-approved amount): ✓ Fully covered
• Skilled nursing facility care coinsurance: ✓ Fully covered
• Foreign travel emergency coverage (up to plan limits): ✓ Fully covered — Up to plan limits after $250 deductible; 80% covered up to $50,000 lifetime

Source: CMS standardized Medigap benefit chart. CMS Publication 02110.

Plan G Premiums in New York (2026)

Premiums for Plan G in New York vary by insurer, age, gender, and tobacco use. The estimates below are for a non-smoking female. Men typically pay 5–10% more. Tobacco users may pay significantly more. These are representative starting ranges — always get current quotes directly from insurers or through Medicare.gov.

* Age 70–80 estimates use typical attained-age premium progression factors. Note: New York uses community rating — your premium is the same regardless of age at enrollment. The table above shows approximate market averages and is less variable than attained-age states. Verify current rates at Medicare.gov.

How New York Rates Medigap Premiums: Community Rating

New York requires insurers to use community rating for Medigap policies. Under community rating, everyone enrolled in the same plan pays the same premium — your age does not determine your rate. This is a significant advantage for older Medicare beneficiaries.

While premiums in community-rated states like New York may start slightly higher at age 65 compared to attained-age states, they rise much more slowly over time because you won't face automatic age-based increases. Beneficiaries who enroll at age 65 and hold their plan for many years often find community rating saves them money in the long run.

Top Plan G Insurers in New York

The following insurance companies are among the leading sellers of Medicare Supplement Plan G in New York: Empire BCBS, UnitedHealthcare, Aetna, EmblemHealth.

Because Plan G benefits are standardized, there's no meaningful difference in what these companies cover. Your decision should be based on:

• Current premium — get quotes from all of them
• Premium increase history — ask for data from the past 3–5 years
• Financial strength rating — look for A.M. Best ratings of A- or better
• Customer service reviews — complaints per 1,000 policyholders (available from NAIC)

How to Enroll in Plan G in New York

1. Confirm you're eligible: You must be enrolled in Medicare Parts A and B. Most people first become eligible at age 65.
2. Enroll during your Open Enrollment Period: Your 6-month Medigap OEP starts the month you're both age 65 and enrolled in Part B. During this window, insurers in New York cannot deny you Plan G or charge more based on health conditions.
3. Compare quotes: Use Medicare.gov's Plan Finder or contact a licensed insurance broker who works with multiple companies in New York.
4. Review premium increase history: Ask each insurer how much they've raised Plan G rates in New York over the past 3–5 years before enrolling.
5. Pair with a Part D drug plan: Plan G does not cover prescription drugs. You'll need a separate Medicare Part D plan.

New York Department of Financial Services

The New York Department of Financial Services regulates insurance companies operating in New York, handles consumer complaints, and can provide a list of licensed insurers selling Plan G in your area.

• Website: https://www.dfs.ny.gov
• Phone: 1-800-342-3736

If you have a complaint about a Medigap insurer operating in New York, the New York Department of Financial Services is your primary resource for resolution.

Plan G vs Plan N in New York

If you're comparing Plan G and Plan N in New York, here are the key numbers:

The premium difference in New York is approximately $52/month at age 65. If you rarely visit the doctor and primarily see Medicare-assignment providers, Plan N may be the better value. If you have frequent medical visits or want complete cost predictability, Plan G is worth the extra premium.

Full Plan G vs Plan N comparison →