NY insurance guidance
Medicare and Insurance Plans in New York
Get personal help comparing Medicare, health, life, dental, vision, critical illness, and hospital indemnity options available in New York.
Coverage guidance for New York residents
Insurance choices can change by county, ZIP code, age, eligibility, and household circumstances. An independent O’Neal Insurance Group agent can help you understand available options and compare important differences without charging a consultation fee.
Medicare plans
We can help review Original Medicare, Medicare Advantage, Medicare Supplement, Part D prescription drug plans, Special Needs Plans, dual-eligible coverage, Extra Help, and how Medicare may work alongside veterans’ benefits.
Health, life, dental, and supplemental protection
Guidance may also be available for individual and family health insurance, whole and term life, final expense, dental, vision, critical illness, hospital indemnity, disability, and long-term care coverage.
Major cities we serve
- New York City
- Buffalo
- Yonkers
- Rochester
- Syracuse
- Albany
- New Rochelle
- Mount Vernon
- Schenectady
- Utica
Counties and areas we serve
- Kings
- Queens
- New York
- Suffolk
- Bronx
- Nassau
- Westchester
- Erie
- Monroe
- Richmond
New York insurance FAQs
When can Medicare coverage start?
For many people, Medicare begins around age 65. The exact effective date depends on when you enroll and whether you qualify through age, disability, or another circumstance.
How do I enroll in Medicare?
You generally enroll in Medicare through Social Security. You can apply online, by phone, or through a Social Security office. People receiving certain benefits may be enrolled automatically.
How old do I need to be for Medicare?
Most people first become eligible at age 65, although some people qualify earlier because of disability, end-stage renal disease, or ALS.
How much does Medicare cost?
Costs depend on your work history, income, coverage choices, prescriptions, and the plans available where you live. Part A may be premium-free for many people, while Part B generally has a monthly premium.
What is Medicare Part B?
Part B is the medical-insurance part of Original Medicare. It generally covers physician services, outpatient care, preventive services, durable medical equipment, and certain home health services, subject to Medicare rules.
What is Medicare Advantage?
Medicare Advantage, also called Part C, is an alternative way to receive Medicare-covered benefits through a private plan approved by Medicare. Networks, costs, benefits, and availability vary.
Plan and carrier availability varies by state, county, ZIP code, eligibility, and product type. Contact us to verify current options in your area.