Medicare Help Across All Five Boroughs — From a Broker Team You Can Actually Trust
Finding honest Medicare guidance in New York City shouldn't feel like running a gauntlet of robocalls and high-pressure sales pitches. Our independent broker network covers every borough — the Bronx, Queens, Brooklyn, Manhattan, and Staten Island — and we compare plans from every major carrier without selling your information to anyone.
What Makes Medicare in NYC Different From the Rest of New York
New York City sits in its own Medigap premium tier under the state's community-rated structure. If your zip code falls in the 100–104 or 111–114 range, you're in NYC Proper — the highest premium tier in the state. That means the same Medicare Supplement plan costs meaningfully more here than it does in Westchester, Long Island, or upstate New York. Understanding that reality before you choose a plan is exactly the kind of thing an independent Medicare broker in New York City can help you navigate.
NYC's premium structure also changes the math on which plan makes the most sense for your situation. Two options in particular tend to perform well for New York City residents:
- Medicare Supplement Plan N carries a lower monthly premium than Plan G while still covering most major out-of-pocket costs. For many NYC residents, the premium savings outpace the modest cost-sharing Plan N requires — making it one of the strongest value options in this tier.
- High-Deductible Plan G is notably popular among New Yorkers who want a safety net against catastrophic costs while keeping monthly premiums low. It's worth a serious look if you're in good health and want to manage cash flow without going unprotected.
We'll run the actual numbers for your zip code and health situation — no estimates, no guesswork.
Coverage Across Every Borough
Our broker network includes independent agents working across all five boroughs. Whether you're in Flushing, Flatbush, the South Bronx, Staten Island's North Shore, or Midtown Manhattan, there's a licensed broker on our team who knows your area and can meet with you — in person or by phone — on your schedule.
Every Major Carrier, Compared Side by Side
We hold no exclusive contracts with any single insurance company. That means when we sit down with you, we're pulling quotes from every major carrier available in your zip code — UnitedHealthcare, Aetna, Humana, Cigna, Empire BlueCross, and others — and walking you through the differences honestly. Our compensation is carrier-regulated and identical regardless of which plan you choose, so we have no financial reason to steer you toward any particular option.
We Don't Sell Your Information — Period
If you've spent any time researching Medicare online, you've likely already experienced what happens when you enter your information into a lead-aggregator site. The calls start within minutes. They don't stop for weeks. That model is not how we operate. When you contact Medicare Resource Group, your information stays with us. It is never sold, shared with third-party lead services, or passed to telemarketers. In a city where that kind of data misuse is especially aggressive, this is a line we hold without exception.
Free Community Seminars Available Near You
We host five to six free Medicare educational seminars every month at libraries and community venues across our coverage area. These sessions are designed to give you a clear, unbiased picture of how Medicare works — enrollment rules, plan types, costs, and common mistakes — before anyone asks you to make a decision. No products are sold at seminars. No pressure. Just information. Check our current schedule and reserve a seat at no cost.
Medicare Plans Available to NYC Residents
New York City residents have access to a wide range of Medicare Advantage and Medicare Supplement plans. The right choice depends on your zip code, your doctors, your prescriptions, and how you use your coverage. Here's a brief overview of what's available:
- Medicare Advantage (Part C): Bundles your hospital, medical, and often prescription drug coverage into a single plan. Many plans include dental, vision, and hearing benefits. Networks vary significantly across boroughs — provider access is something we check carefully before recommending any Advantage plan in NYC.
- Medicare Supplement Plan G: The most comprehensive Medigap option available to new Medicare enrollees. Covers nearly all out-of-pocket costs after Medicare pays its share. Premiums are higher in NYC's tier, so it's worth comparing carefully against Plan N.
- Medicare Supplement Plan N: Lower monthly premium than Plan G, with modest copays for some office and emergency room visits. A strong fit for NYC residents who want broad coverage without the top-tier premium cost.
- High-Deductible Plan G: The lowest-premium Medigap option. You pay out of pocket until a federally set deductible is met, after which the plan covers remaining costs. Popular with healthier NYC residents who want catastrophic protection at a manageable monthly cost.
- Prescription Drug Plans (Part D): Standalone drug coverage that pairs with Original Medicare and most Medigap plans. Plan formularies and pharmacy networks vary — we compare these alongside your medical coverage, not as an afterthought.
Who We Work With in New York City
Medicare Resource Group has been helping New Yorkers navigate Medicare since 2006. Our NYC clients include:
- Adults turning 65 who are enrolling in Medicare for the first time and want to understand their options before making a commitment
- People still working past 65 who need to understand how employer coverage interacts with Medicare and when to enroll without triggering a penalty
- Current Medicare beneficiaries approaching the Annual Enrollment Period(October 15–December 7) who want a plan review before their current coverage auto-renews
- Adult children in the city helping an aging parent sort through Medicare decisions from a distance
- Retirees splitting time between New York City and Florida who need coverage that travels with them
If you fit any of these situations, a conversation with one of our brokers costs you nothing and carries no obligation.
Common Questions From New York City Medicare Shoppers
Does it cost anything to work with a Medicare broker in New York City?
No. Medicare broker compensation is set by the carriers and regulated by the state — it does not come from you. The amount we receive is identical regardless of which plan you choose, so there is no financial incentive for us to recommend one plan over another. You pay the same premium whether you enroll through us or directly through the insurance company.Why do Medicare Supplement plans cost more in New York City than in other parts of the state?
New York uses a community-rated system for Medigap pricing, which means premiums are not based on your age or health history — everyone in the same geographic tier pays the same rate. NYC Proper (zip codes beginning with 100–104 and 111–114) is the highest-rated tier in the state, which is why the same Plan G or Plan N carries a higher monthly premium here than in Westchester or Long Island. Understanding your tier is the first step in evaluating which plan structure makes financial sense for your situation.How do I know which Medicare plan is right for me if I live in New York City?
The right plan depends on your specific doctors, your prescriptions, your health history, and how much premium versus out-of-pocket exposure you're comfortable carrying. In NYC, the premium tier makes Plan N and High-Deductible Plan G especially worth evaluating alongside Plan G. A broker who can run side-by-side comparisons across all available carriers in your zip code — without pushing you toward any particular one — is the most reliable way to make that decision with confidence.I keep getting Medicare calls and mailers. How is Medicare Resource Group different?
We are an independent brokerage, not a lead-generation service. When you contact us, your information is never sold or shared with third-party marketers. We do not purchase leads from aggregator sites, and we do not operate a call center. Every client relationship begins with a genuine conversation — a consultation, a seminar, or a referral from someone who has worked with us before. If you've been burned by the lead-farm model, that experience is exactly why we built this practice the way we did.
You Found a Local Broker. Here's What Happens Next.
Most Medicare websites that show up in a local search aren't actually local. They're national lead-generation platforms that collect your information and distribute it to dozens of agents you've never met. We're not that. Medicare Resource Group is an independent brokerage with a real office in the Hudson Valley and brokers who live and work in the communities we serve — including yours.
When you reach out, you'll hear from someone who knows the carriers available in your area, understands the local doctors and hospital networks your plan needs to cover, and has no financial incentive to recommend one plan over another. Our service is completely free to you, start to finish.