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Medicare Supplement Plan Details

Enrolling in a Medicare Supplement Plan

Medicare Supplement Insurance is open for enrollment all year long. We’ve made enrolling as easy as possible. See below for eligibility and enrollment information.

Plan Description

Medicare Part A covers some hospital services, while Medicare Part B covers some medical services, but doesn't cover all costs. That’s why some people with Medicare choose to add a Medicare Supplement Insurance Plan offered by EmblemHealth.

It “supplements” Medicare by covering the bills that are only partially covered by Medicare Parts A and B.

At EmblemHealth, we offer eight Medicare Supplement Insurance plans. You choose the plan with the benefit design that suits your needs. Benefits provided will depend upon the plan you select, and premiums may vary by plan and by region.

All EmblemHealth Medicare Supplement plans cover the following Basic Benefits:

  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance*

* Coinsurance is the percentage of the Medicare-approved expenses that you pay.

Benefits provided will depend upon the plan you select, and premiums may vary by plan and by region.


Monthly Premium Rates
Each rating region consists of the noted counties. Rates and benefits are subject to change. Please refer to your contract or contact EmblemHealth for additional information, including limitations and exclusions.
 

We, EmblemHealth Plan, Inc., can only raise your premium if we raise the premium for all policies like yours in this geographic region.
 

EmblemHealth Medicare Supplement Insurance monthly premium rates (per individual): 

When Coverage Begins

Once you send in your completed application with the first payment, we will verify your eligibility and send you an identification card, a contract along with the schedule page, which will show you the effective date of your coverage.

 

Plan Documents

What it Covers in 2026

All EmblemHealth Medicare Supplemental plans cover the following Basic Benefits:

  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance*

In addition to the Basic Benefits, Plan B also covers

  • Part A inpatient deductible** per benefit period: $1,736 in 2026.

In addition to the Basic Benefits, Plan C also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,736 in 2026.
  • Part B annual deductible***: $283 in 2026.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.

In addition to the Basic Benefits, Plan F also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,736 in 2026.
  • Part B annual deductible***: $283 in 2026.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.

In addition to the Basic Benefits, Plan F+ also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,736 in 2026.
  • Part B annual deductible***: $283 in 2026.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible..
  • SilverSneakers® membership

Plan F+ is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,950 in 2026.

In addition to the Core Benefits, Plan G/G+ also covers:

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,736 in 2026.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.
  • SilverSneakers® membership

Plan G+ is a high deductible plan that pays the same benefits as Plan G after one has paid a calendar year deductible of $2,950 in 2026.

In addition to the Core Benefits, Plan N also covers:

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,736 in 2026.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.
  • SilverSneakers® membership

 

* Coinsurance is the percentage of the Medicare-approved expenses that you pay.

** Part A inpatient deductible is the amount you pay for Medicare Part A hospitalization services, including semi-private room and board, general nursing, and other services and supplies during the first 60 days of a hospital stay covered by Medicare.

*** Part B annual deductible is the amount you pay for health care outside of the hospital before your plan starts to pay.

Eligibility and Enrollment

Eligibility

Medicare Supplement Insurance is open for enrollment all year long. To apply for coverage under one of EmblemHealth’s Medicare Supplement Insurance Plans, you must:

  • Be eligible for Medicare and enrolled in Medicare Part B.
  • Reside in New York State.
  • Not have coverage provided by Medicaid.
  • Not have Medicare Supplement from any other health insurance plan.

 

You may apply for an EmblemHealth Medicare Supplement Insurance Plan if your current coverage is ending and you want to change your plan. You can do this if you have EmblemHealth insurance or another insurance plan.

When Benefits Begin

Once you send in your completed application with the first payment, we will verify your eligibility and send you an identification card, a contract along with the schedule page, which will show you the effective date of your coverage.

When Benefits Begin for Current EmblemHealth Members

Coverage usually begins immediately after your previous EmblemHealth plan ends so that there is no break in your coverage. Simply complete the application and return it within 60 days of the end of your previous coverage in order for your Medicare Supplement plan to take effect on the termination date.

You may apply after the 60-day period, but you may have a break in coverage.

How to Enroll

We’ve made enrolling as easy as possible. To apply for an EmblemHealth Medicare Supplement plan, you can enroll online or complete and return the application found in the link below, along with a check for the first payment to us.

If you do not send a payment with your application, we will send you an invoice after the application is processed, once your eligibility has been confirmed.

We will send you an identification card along with your contract within 7-10 business days after all parts of the application have been received and the premium has been paid, unless you request a later effective date.

EmblemHealth Medicare Supplement Application Form


Mail the form to:
EmblemHealth
PO Box 2820
New York, NY 10116-2820

Plan Description

Medicare Part A covers some hospital services, while Medicare Part B covers some medical services, but doesn't cover all costs. That’s why some people with Medicare choose to add a Medicare Supplement Insurance Plan offered by EmblemHealth.

It “supplements” Medicare by covering the bills that are only partially covered by Medicare Parts A and B.

At EmblemHealth, we offer eight Medicare Supplement Insurance plans. You choose the plan with the benefit design that suits your needs. Benefits provided will depend upon the plan you select, and premiums may vary by plan and by region.

All EmblemHealth Medicare Supplement plans cover the following Basic Benefits:

  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance*

* Coinsurance is the percentage of the Medicare-approved expenses that you pay.

Benefits provided will depend upon the plan you select, and premiums may vary by plan and by region.


Monthly Premium Rates
Each rating region consists of the noted counties. Rates and benefits are subject to change. Please refer to your contract or contact EmblemHealth for additional information, including limitations and exclusions.
 

We, EmblemHealth Plan, Inc., can only raise your premium if we raise the premium for all policies like yours in this geographic region.
 

EmblemHealth Medicare Supplement Insurance monthly premium rates (per individual): 

When Coverage Begins

Once you send in your completed application with the first payment, we will verify your eligibility and send you an identification card, a contract along with the schedule page, which will show you the effective date of your coverage.

 

Plan Documents

What it Covers in 2025

All EmblemHealth Medicare Supplemental plans cover the following Basic Benefits:

  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance*

In addition to the Basic Benefits, Plan B also covers

  • Part A inpatient deductible** per benefit period: $1,676 in 2025.

In addition to the Basic Benefits, Plan C also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,676 in 2025.
  • Part B annual deductible***: $257 in 2025.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.

In addition to the Basic Benefits, Plan F also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,676 in 2025.
  • Part B annual deductible***: $257 in 2025.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.

In addition to the Basic Benefits, Plan F+ also covers

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,676 in 2025.
  • Part B annual deductible***: $257 in 2025.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible..
  • SilverSneakers® membership

Plan F+ is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,870 in 2025.

In addition to the Core Benefits, Plan G/G+ also covers:

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,676 in 2025.
  • Part B Excess Charge: 100% of Part B costs above what Medicare will pay.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.
  • SilverSneakers® membership

Plan G+ is a high deductible plan that pays the same benefits as Plan G after one has paid a calendar year deductible of $2,870 in 2025.

In addition to the Core Benefits, Plan N also covers:

  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,676 in 2025.
  • Emergency care rendered during the first 60 days of foreign travel, after $250 calendar year deductible.
  • SilverSneakers® membership

 

* Coinsurance is the percentage of the Medicare-approved expenses that you pay.

** Part A inpatient deductible is the amount you pay for Medicare Part A hospitalization services, including semi-private room and board, general nursing, and other services and supplies during the first 60 days of a hospital stay covered by Medicare.

*** Part B annual deductible is the amount you pay for health care outside of the hospital before your plan starts to pay.

Eligibility and Enrollment

Eligibility

Medicare Supplement Insurance is open for enrollment all year long. To apply for coverage under one of EmblemHealth’s Medicare Supplement Insurance Plans, you must:

  • Be eligible for Medicare and enrolled in Medicare Part B.
  • Reside in New York State.
  • Not have coverage provided by Medicaid.
  • Not have Medicare Supplement from any other health insurance plan.

 

You may apply for an EmblemHealth Medicare Supplement Insurance Plan if your current coverage is ending and you want to change your plan. You can do this if you have EmblemHealth insurance or another insurance plan.

When Benefits Begin

Once you send in your completed application with the first payment, we will verify your eligibility and send you an identification card, a contract along with the schedule page, which will show you the effective date of your coverage.

When Benefits Begin for Current EmblemHealth Members

Coverage usually begins immediately after your previous EmblemHealth plan ends so that there is no break in your coverage. Simply complete the application and return it within 60 days of the end of your previous coverage in order for your Medicare Supplement plan to take effect on the termination date.

You may apply after the 60-day period, but you may have a break in coverage.

How to Enroll

We’ve made enrolling as easy as possible. To apply for an EmblemHealth Medicare Supplement plan, you can enroll online or complete and return the application found in the link below, along with a check for the first payment to us.

If you do not send a payment with your application, we will send you an invoice after the application is processed, once your eligibility has been confirmed.

We will send you an identification card along with your contract within 7-10 business days after all parts of the application have been received and the premium has been paid, unless you request a later effective date.

EmblemHealth Medicare Supplement Application Form


Mail the form to:
EmblemHealth
PO Box 2820
New York, NY 10116-2820

Medicare Supplement Plans

You Have Options

At EmblemHealth, we offer a wide range of Medicare Supplement insurance plans. You choose the plan with the benefit design that best suits your needs. 

Three older woman laughing and looking at phone.

Last Updated 11/20/2025

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