Over 2,802,000 people in New York have enrolled in Medicare Part D. A little more than half (1,446,912) participate in standalone coverage. In comparison, 1,373,742 people joined a Medicare Advantage Prescription Drug (MAPD) plan. You can learn more about your New York Medicare Part D plans options by contacting our team for help today.
New York Part D plans for 2024
Medicare Part D plans help cover the costs of prescription medications. This plan often works with other aspects of Medicare, including Part A and Part B. This article lets you learn more about New York’s best and most cost-efficient Part D plans.
Part D plans with the lowest premiums in New York
Are you looking for a Part D plan with a low premium in New York? Aetna offers the lowest premiums at $7.20. However, the company only has a three-star rating and doesn’t offer gap coverage. For the premium, you may get more expensive coverage from Wellcare at $12.9. However, Wellcare also has a three-star rating and no gap coverage.
Spending more with provides gap coverage and service from a four-star company. However, your premium jumps to $34.20 with , making it more expensive than some people want to consider.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $7.20 | $480 | 3 | No |
| Wellcare | $12.90 | $480 | 3 | No |
| Humana | $25.00 | $480 | 3 | No |
| $34.20 | $310 | 4 | Yes | |
| Cigna | $40.80 | $480 | 3 | No |
Part D Plans with a zero-dollar deductible
You may also look for a Part D plan with a zero-dollar deductible. However, you can expect to pay more out of pocket with these plans. The cheapest zero-dollar deductible plan comes from Wellcare, with a $69 premium.
You may also select Aetna if you’re willing to pay a $77.20 premium for gap coverage, which you can’t get from Wellcare. also offers gap coverage with its zero-dollar deductible Part D plan. However, you can expect to pay a $101 premium for this three-star plan.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Wellcare | $69.00 | $0 | 3 | No |
| Aetna | $77.20 | $0 | 3 | Yes |
| Blue Cross Blue Shield | $82.60 | $0 | N/A | No |
| $101.00 | $0 | 3 | Yes |
Part D plans with gap coverage
Gap coverage can help protect you from expenses not covered under traditional Medicare plans. For example, Aetna offers a program with gap coverage and a $0 deductible. This three-star rated plan has a $77.20 premium.
Cigna is another three-star option. Cigna charges a $68.90 premium and a $100 deductible for its gap coverage plan.
Finally, you may contact if you’re interested in a plan with a four-star rating. Expect to pay a $310 deductible with this plan and a $34.20 premium.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| $34.20 | $310 | 4 | Yes | |
| Cigna | $68.90 | $100 | 3 | Yes |
| Aetna | $77.20 | $0 | 3 | Yes |
Part D plans with a Low-Income Subsidy
Over 958,000 residents of New York qualify as eligible for low-income subsidy Plan D plans. These plans provide options if you face financial hardships after retirement. For example, consider the Wellcare plan, which has a $36.20 premium and a $480 deductible.
You may also consider an Aetna plan with a $39.30 premium and a $480 deductible. None of these low-income subsidy plans comes with gap coverage in New York.
Humana also offers a low-income subsidy Plan D plan. The company charges $40.50 for a premium and sticks to the same $480 deductible as the other options we discussed. Learn more about these plans with us.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Wellcare | $36.20 | $480 | 3 | No |
| Aetna | $39.30 | $480 | 3 | No |
| Humana | $40.50 | $480 | 3 | No |
| Cigna | $40.80 | $480 | 3 | No |
Amount of beneficiaries that fall into each Part D coverage phase in New York
Individuals join Part D plans in coverage phases. Some individuals end up in a coverage gap phase that the experts call the donut hole. The table below shows how many people fall into each phase in New York.
| Deductible Phase | Initial Coverage Phase | Coverage Gap Phase | Catastrophic Phase |
| 601,572 | 906,032 | 302,884 | 328,539 |
New York cities with Medigap coverage’s estimated premiums
For these five New York cities, we’ve created handy charts to outline the estimated premiums for Medicare Supplement plans:
FAQs
What is the City of New York’s enhanced Medicare Part D plan?
The City of New York has an Enhanced Medicare Part D program available to retirees signed up for the City of New York GHI Senior Care program. This credible plan allows you to seek additional coverage for your prescription drug costs.
Can you buy Medicare Part D by itself in New York?
Yes, New York offers several standalone plans for Medicare Part D. You may find that some of these plans come with benchmarks. In addition, some programs are available to individuals who qualify for low-income subsidies.
Discuss the benefits of buying a standalone Medicare Part D plan by contacting our team for help.
What is the most popular Medicare Part D plan in New York?
The most popular Medicare Part D plans offered in New York include options from SilverScript Choice, Cigna-HealthSpring Rx, and Humana Walmart Value Rx. These plans aren’t necessarily the right choice for everyone, but they remain popular throughout the state.
We focus on finding the best plan for you, even if it’s not one of the most popular options in the state.
Does Medicare Part D come from your Social Security check in New York?
You can take your Part D premiums out of your Social Security benefits. However, unlike Part B premiums, this process does not happen automatically in New York. Discuss whether or not you should have the premiums taken out with a team member.
Are all Medicare Part D plans the same in New York?
In some ways, all Part D plans have similarities. They all cover the same drug categories, for example. However, companies may decide which drugs to cover within these categories. They also have different monthly premiums and deductibles.
How to get help signing up for a Medicare Part D plan in New York
You can learn more about New York Medicare Part D plans by contacting our team at Medigap. We have experience working with carriers offering Part D plans and can share our understanding of this insurance.
Our free services make finding Medicare coverage that meets your needs easier. We compare plans on your behalf and get rates for the options that fit your situation. Please fill out our rate form or give us a call to learn more.
