Brooklyn Medicare Supplement Insurance Costs

Medicare Supplement insurance costs in Brooklyn vary significantly from one carrier to the next — residents of Kings County can pay vastly different monthly premiums for coverage that is, by law, identical in benefits. Shopping the market is one of the most important steps any Brooklyn Medicare beneficiary can take before selecting a Medigap plan. Because New York is a guaranteed-issue state for Medicare Supplement insurance, carriers cannot deny coverage based on health history, making price comparison even more critical.

Compare Rates with a Brooklyn Medicare Agent

Independent Medicare insurance agents serving Brooklyn and Kings County represent multiple carriers, which means they can show you side-by-side rate comparisons across the companies available in your zip code — at no cost to you. Working with a licensed agent who knows the New York Medigap market can save you hundreds of dollars per year.

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Estimated Plan G Medigap Rates — Brooklyn, New York (Zip 11201)

Estimated based on available market data (converted from 2018 Plan F survey data; Plan G is typically 8–12% less than Plan F for comparable coverage). Actual rates will differ. Contact a licensed agent for current quotes.

3 Questions to Ask Before You Buy a Medigap Plan in Brooklyn

Does this agent represent multiple carriers — or just one?

Some Medicare insurance agents are captive, meaning they sell policies from only one company. Brokers, by contrast, are appointed with multiple carriers and can present you with competing quotes side by side. In a market like Brooklyn, where premiums for identical Plan G coverage can differ by more than 60 percent, working with a multi-carrier broker dramatically increases your chances of finding the best value. Always ask: "How many Medicare Supplement companies are you appointed with?"

What has this carrier's rate increase history been over the past five years?

The lowest premium today does not guarantee the lowest premium tomorrow. New York State allows carriers to adjust Medigap rates, and some companies have a history of steeper annual increases than others. A knowledgeable Brooklyn agent should be able to share each carrier's recent rate adjustment history. If an agent is reluctant to provide this information, that itself is useful data when evaluating whether to work with them.

Does New York offer any consumer protections I should know about?

Yes — New York is one of a small number of states with continuous guaranteed-issue rights for Medicare Supplement insurance. This means you can switch Medigap plans at any time of year without medical underwriting, regardless of your health status. The New York State Department of Financial Services (DFS) oversees Medicare Supplement insurance in the state; you can reach the DFS at dfs.ny.gov or by calling 1-800-342-3736. The State Health Insurance Assistance Program (SHIP), known in New York as the Health Insurance Information, Counseling and Assistance Program (HIICAP), also provides free, unbiased Medicare counseling to Brooklyn residents.

More Medicare Resources for Brooklyn Residents

• Medicare Insurance in New York
• Find Medicare Agents Across New York
• Find Medicare Agents in Brooklyn
• Important Medicare Enrollment Dates