The Medicare carriers I represent in the Capital Region
People search by carrier name: 'CDPHP Medicare plans', 'does Albany Med take Humana', 'AARP Medigap rates Albany'. Here is a page for each of the eleven carriers I'm appointed with, built from the hospitals' own 2026 lists, the DFS premium comparison and the carriers' filings, with the compliance details New York requires when an agent names an insurer.
Eleven carriers sell Medicare Advantage, Part D or Medigap in the Capital Region through my office: CDPHP and MVP (the two local plans), UnitedHealthcare, Aetna, Humana, Wellcare, Anthem (formerly Empire), EmblemHealth, VNS Health, Trinity Health Plan New York (St. Peter's parent's plan) and Devoted Health. Each has a page with its legal name and home office, what it sells in New York, what Albany Med, St. Peter's and Ellis say about it in 2026, and its Medigap premiums where it files them. The carrier is never the decision; the plan's network, formulary and total cost are. I'm paid by the carrier you choose, not by you.
The eleven, at a glance
| Carrier | Home office | Sells in NY | Albany Med | St. Peter's | Ellis | Medigap |
|---|---|---|---|---|---|---|
| CDPHP | Albany, New York | Medicare Advantage HMO and PPO plans with Part D built in; Dual-eligible (D-SNP) plans | Listed | Listed | Listed | No |
| MVP Health Care | Schenectady, New York | Medicare Advantage HMO, HMO-POS and PPO plans with Part D; Dual-eligible (D-SNP) plans | Listed | Listed | Listed | No |
| Humana | New York, New York | Medicare Advantage HMO and PPO plans with Part D; Stand-alone Part D plans; Medicare Supplement (Medigap) policies in New York | Not accepted | Not accepted | Listed | Yes |
| UnitedHealthcare | New York, New York; Hartford, Connecticut | Medicare Advantage HMO and PPO plans with Part D, including AARP-branded plans; Dual-eligible (D-SNP) plans; Stand-alone Part D plans; AARP Medicare Supplement (Medigap) policies | Listed | Listed | Listed | Yes |
| Aetna | Hartford, Connecticut | Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Stand-alone Part D plans (SilverScript); Medicare Supplement (Medigap) policies in New York | Listed, not all plans | Listed | Listed | Yes |
| Wellcare | Long Island City, New York | Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Stand-alone Part D plans | Not listed | Listed | Listed | No |
| Anthem Blue Cross Blue Shield | New York, New York | Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Medicare Supplement (Medigap) policies in New York | Listed | Listed | Listed | Yes |
| EmblemHealth | New York, New York | Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Medicare Supplement (Medigap) policies in New York | Listed, not all plans | Listed, not all plans | Listed, not all plans | Yes |
| VNS Health | New York, New York | Dual-eligible Special Needs Plans (D-SNP) for people with Medicare and Medicaid; Medicare Advantage plans in parts of New York | Listed | Listed | Not listed | No |
| Trinity Health Plan New York | Columbus, Ohio | Medicare Advantage HMO and PPO plans with Part D | Not listed | Listed | Not listed | No |
| Devoted Health | Waltham, Massachusetts | Medicare Advantage PPO plans for 2027, including Chronic Condition Special Needs Plans (C-SNP) | Listed | Not listed | Not listed | No |
Hospital columns are the systems' own accepted-insurance lists as of October 15, 2026: "Listed" means the carrier appears (the specific plan still needs checking), "Not accepted" means the hospital states the exclusion, "Not listed" means absent from the list and unverified, not excluded. Details and the hospitals' wording: which plans Capital Region hospitals accept. Medigap premiums: Albany-region rates.
The Medicare disclaimer at the foot of each page counts 10 organizations, not 11: it counts only carriers with a 2027 Advantage plan I can offer in Albany, Rensselaer, Saratoga, Schenectady, Warren or Washington County, or a stand-alone Part D plan in New York. EmblemHealth has neither for 2027, so it is not in that count.
How to use these pages
Start from your doctors and hospital, not from a carrier. If your care is at Albany Med, the Humana and Wellcare pages tell you why those plans need a hard look; if it's all inside St. Peter's, the Trinity Health Plan page explains a plan built for exactly that; if you want a Medigap policy, the UnitedHealthcare (AARP), Aetna and EmblemHealth pages carry the lower Albany-region premiums. Then read the seven questions and ask for the comparison; it's free, and it's the same price whichever carrier you end up with.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Which Medicare carrier should I choose in Albany?
No carrier wins as a category. Networks and Medigap premiums differ by plan and change every year, so I check yours against your doctors and the current DFS comparison; Humana Medicare is excluded by name at Albany Med and St. Peter's, and Wellcare is absent from Albany Med's list, so both need plan-level verification; Trinity Health Plan is built for St. Peter's patients. The right carrier is the one whose specific plan includes your doctors and hospital, covers your prescriptions, and costs least over a year. That's a comparison, not a brand choice.
Why do you list the insurers' legal names and home offices?
New York Insurance Law §2122(b) requires that when a licensed agent or broker names an insurer in advertising, the full name of the insurer and the city of its home office appear. The names come from the Department of Financial Services' company directory and the carriers' own filings.
Do you represent every Medicare carrier?
No. I'm appointed with the eleven above, which covers most of what's sold in the counties I cover, but not every plan available in your area. If the plan that fits you is one I don't sell, I'll say so and point you to it; HIICAP (1-800-701-0501) covers every plan for free.
Ask for a Medicare comparison
Your doctors, your prescriptions and your ZIP code are all I need to start. No fee for plan comparison or enrollment.