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Celebrating since 2008 as a Medicare Insurance Specialist
(This Is NOT A Government Newsletter)
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New Name: “Retirement Health Plans Made Simple℠”
- 2025 MEDICARE ADVANTAGE PLAN CHOICES
ANNOUNCEMENT: NOW LICENSED in NY and Florida.
If you are moving and relocating to Florida, I can help you find a new Medicare insurance plan. Please give me a call. Referrals to friends and family are always welcomed and appreciated!
Keep reading!
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Theresa Cangemi CSA, CLTC
"The Medicare Insurance Lady"
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MEDICARE SECTION
AEP – the Annual Enrollment Period (October 15th to December 7th).
- If you change your Medicare insurance plan (with me) during AEP it would be effective January 1st, 2025.
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MEDICARE SECTION
MY COMMENTS to my clients:
I want to thank my clients for reaching out to me this AEP 2024.
I have received your voicemails, emails, and some text messages.
I want you to know that as busy as this enrollment period is, I am trying to return all calls, emails, text messages in a first come first serve basis.
I am sorry for the delay in responding back to you.
HERE ARE THE 2025 MEDICARE ADVANTAGE PLANS YOU ARE ASKING TO SEE, for your review ......
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AETNA
www.AetnaMedicare.com
AETNA - UPSTATE NY – AREA 1 – Medicare Advantage plans
SERVICE AREA: New York: Allegany, Broome, Cayuga, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Madison, Oneida, Onondaga, Schuyler, St. Lawrence, Steuben, Tompkins
Aetna Medicare Premier (PPO) | H5521-077 | $0 Plan Premium
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H5521_077_PP79_SB2025_M.pdf
Aetna Medicare Value (HMO-POS) | H3312-048 | $0 Plan Premium
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H3312_048_HP93_SB2025_M.pdf
Aetna Medicare Discover Value (PPO) | H5521-340 | $33 Plan Premium
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H5521_340_PR05_SB2025_M.pdf
Aetna Medicare Platinum (PPO) | H5521-459 | $139 Plan Premium
(NON-COMMISSIONABLE)
SERVICE AREA: New York: Albany, Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, St. Lawrence, Steuben, Sullivan, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming, Yates
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H5521_459_PS18_SB2025_M.pdf
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AETNA - UPSTATE NY – AREA 2 (Incl. Oswego Cty) - Medicare Advantage plans
SERVICE AREA: New York: Chemung, Chenango, Clinton, Cortland, Essex, Oswego, Otsego, Tioga
Aetna Medicare Premier (PPO) | H5521-520 | $36 Plan Premium
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H5521_520_NV60_SB2025_M.pdf
Aetna Medicare Platinum (PPO) | H5521-459 | $139 Plan Premium
(NON-COMMISSIONABLE)
SERVICE AREA: New York: Albany, Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, St. Lawrence, Steuben, Sullivan, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming, Yates
SUMMARY OF BENEFITS: https://www.aetna.com/medicare/documents/individual/2025/summaryofbenefits/Y0001_H5521_459_PS18_SB2025_M.pdf
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EXCELLUS BCBS
https://www.excellusbcbs.com/
WAITING ON Family Care Medical Group and St. Joseph’s Physicians/Hospital – to sign contracts with Excellus BCBS for 2025.
Should hear something by mid-November.
SERVICE AREA: includes the following counties in New York: Broome, Cayuga, Chemung, Chenango, Cortland, Herkimer, Jefferson, Lewis, Madison, Oneida, Onondaga, Oswego, Schuyler, St. Lawrence, Steuben, Tioga, and Tompkins.
Medicare BlueActive (PPO) (H3335-055) ($0 premium) / (Part B giveback $48)
Medicare BlueEssential (PPO) (H3335-053) ($0 premium) /
Medicare BlueFlex (PPO) (H3335-058) ($22 premium)
SUMMARY OF BENEFITS: https://contentserver.destinationrx.com/ContentServer/DRxProductContent/PDFs/122_0/H3335_5980f_M%20CNY%20(PPO)%20MBP%20Active,%20Essential,%20Flex.pdf
Medicare BlueClassic (PPO) (H3335-038) ($31.50 premium)
Medicare BlueEnhanced (PPO) (H3335-015) ($84premium)
Medicare BlueSalute (PPO) (H3335-043): NO Rx
SUMMARY OF BENEFITS: https://contentserver.destinationrx.com/ContentServer/DRxProductContent/PDFs/122_0/H3335_5981f_M%20%20CNY%20(PPO)%20MBP%20Classic,%20Enhanced,%20Salute.pdf
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UNITED HEALTHCARE
www.UHCMedicareSolutions.com
AARP® Medicare Advantage from UHC NY-0006 (HMO-POS) H3379-039-000
($0 premium)
SERVICE AREA: includes these counties in New York: Cayuga, Chemung, Cortland, Jefferson, Lewis, Madison, Oneida, Onondaga, Oswego, Schuyler, Steuben, Tioga.
SUMMARY OF BENEFITS: https://www.uhc.com/medicare/alphadog/AANY25HP0240267_001
AARP® Medicare Advantage from UHC NY-0018 (PPO) H3418-007-000
($19 premium)
(PAPER APPLICATION, MAY STILL BE COMMISSIONABLE)
SERVICE AREA: includes these counties in New York: Cayuga, Chemung, Cortland, Jefferson, Lewis, Madison, Oneida, Onondaga, Oswego, Schuyler, Steuben, Tioga.
SUMMARY OF BENEFITS: https://www.uhc.com/medicare/alphadog/AANY25LP0240286_001
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Humana
www.Humana.com
SSERVICE AREA: New York: Albany, Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Dutchess, Erie, Fulton, Genesee, Greene, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Nassau, Niagara, Oneida, Onondaga, Orange, Orleans, Oswego, Otsego, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, St. Lawrence, Steuben, Suffolk, Sullivan, Tioga, Ulster, Warren, Washington, Westchester, Wyoming, Yates.
OFFERS ONLY ONE MEDICARE ADVANTAGE PLAN:
HumanaChoice H5970-029 (PPO) – Medicare Advantage
($28 premium) (Medical Annual Deductible $280)
SUMMARY OF BENEFITS: https://www.humana-medicare.com/BenefitSummary/2025PDFs/H5970029000SB25.pdf
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TRINITY HEALTH / ST. JOSEPH HOSPITAL HEALTHCARE –
St. Joseph Hospital (only hospital in-network)
WEBSITE: www.thpmedicare.org/new-york
OFFERS ONLY TWO HMO PLANS:
Trinity Health Plan New York No Premium (HMO)
(Premium: $0) (Part B giveback $14.70)
SUMMARY OF BENEFITS: https://www.thpmedicare.org/sites/default/files/2024-09/PY25_SB_NY_HMO_MAPD-NoRx_508.pdf
Trinity Health Plan New York Cash Back (HMO)
(Premium: $0) (Part B giveback $71.90)
SUMMARY OF BENEFITS: https://www.thpmedicare.org/sites/default/files/2024-09/PY25_SB_NY_HMO_MAPD-NoRx_508.pdf
OFFERS: FLEX CARD AND MEMBER REWARDS, OTC, DENTAL COVERAGE, ROUTINE ACUPUNCTURE, GYM MEMBERSHIP
TRINITY OPERATES IN 6 STATES:
OHIO, IDAHO, IOWA, MICHIGAN, CONNECTICUT, NEW YORK
IN UPSTATE, CNY COUNTIES Service Area:
LEWIS, ONEIDA, MADISON, ONONDAGA only
Can see providers outside these counties if they are in the network
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New October 2022 CMS (government) REQUIRED disclaimer:
“Every plan may not be available in your area. Any information we provide is limited to those plans we do offer in your area.” “Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
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Theresa’s disclaimer: I DO OFFER Medicare Insurance plans from MANY different insurance companies; in NY and Florida.
The available insurance plans will depend on your state, zip code, and eligibility.
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* This article is for information purposes only. I don’t recommend, support, or diagnose any featured writer or article. I am not a doctor. Your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. You and your doctor will know your own health best. | | | | | |
