New York’s Medicare Open Enrollment period runs through Dec. 7, giving beneficiaries an opportunity to review health and prescription drug coverage for 2027.
The New York State Office for the Aging is urging older adults to seek free, unbiased counseling as changes to Medicare Advantage plans may affect availability, costs, provider networks and benefits. Coverage changes take effect Jan. 1.
The state’s Health Insurance Information, Counseling and Assistance Program (HIICAP) provides local counseling to help beneficiaries compare plans, understand costs, appeal coverage decisions and identify financial assistance programs.
Call 1-800-701-0501 for free counseling. The Medicare Rights Center also offers a free helpline at 1-800-333-4114.
“During Medicare Open Enrollment we understand you’re bombarded with advertisements, and it can be overwhelming,” said Greg Olsen, director of the state Office for the Aging. He encouraged beneficiaries to seek objective guidance and explore programs that could reduce their health care costs.
Savings program could provide $8,100 annually
Income-eligible beneficiaries may qualify for the Medicare Savings Program, which helps pay Medicare Part B premiums and automatically enrolls participants in Extra Help for prescription drug costs.
Eligible enrollees could save an estimated $8,100 annually, according to the state. More than 1 million people have enrolled since Gov. Kathy Hochul expanded the program in 2022.
HIICAP counselors can help determine eligibility and assist with applications.
Watch for scams and misleading marketing
Medicare experts warn that beneficiaries may face misleading advertisements and increased fraud risks during open enrollment.
Insurance companies may send marketing mail, but generally cannot call, email, visit a home or approach someone in public to market a plan without permission unless the person has agreed to be contacted.
Beneficiaries should be wary of anyone pressuring them to change plans, claiming to represent Medicare or threatening loss of benefits unless they enroll in a particular plan.
The state also advises beneficiaries to protect their Medicare numbers as they would Social Security numbers or credit card information. Do not share personal information with unsolicited callers or uninvited visitors.
Anyone concerned about potential fraud or identity theft can contact Medicare at 1-800-633-4227 or visit Medicare.gov
