New York has additional Medicare Supplement consumer protections beyond the federal minimum. New York requires open enrollment — you can enroll in any Medigap plan at any time without medical underwriting. New York also uses community rating.
Key Points
- New York: open enrollment — enroll in any Medigap plan at any time without underwriting
- Community rating: same premium for all ages
- More consumer protections than most other states
- An independent agent can help you compare New York Medicare Supplement plans
- New York's open enrollment makes it easier to switch plans