CDPHP Medicare plans in the Capital Region
What CDPHP sells to Medicare beneficiaries in New York, what the Capital Region's hospitals say about it in 2026, and how it compares. I'm appointed with CDPHP; I'm also appointed with the carriers it competes with, which is the point.
CDPHP (Capital District Physicians' Health Plan, Inc.; home office Albany, New York) sells the following to New York Medicare beneficiaries: Medicare Advantage HMO and PPO plans with Part D built in; Dual-eligible (D-SNP) plans. Albany Med and CDPHP publicly disputed their contract in late 2024; the hospital's 2026 list still includes CDPHP. Check the contract status each fall. I'm appointed with CDPHP and with its competitors; the plan is chosen by checking your doctors, your hospital and your prescriptions against each specific plan, not by carrier name, and there's no fee for the comparison.
Who they are
The Capital Region's own health plan, founded by local physicians in 1984 and still based here. CDPHP's provider network is built around Albany Med, St. Peter's, Ellis and Saratoga Hospital and the practices that admit to them, which is why it is the plan many Capital Region doctors' offices know best. Its Medicare Advantage plans are HMOs and PPOs sold in Albany, Saratoga, Schenectady and Rensselaer counties among others.
Plans are issued by Capital District Physicians' Health Plan, Inc., home office Albany, New York (registered office 500 Patroon Creek Boulevard, Albany; headquarters at 6 Wellness Way, Latham). Named here because New York Insurance Law §2122(b) requires a licensee who names an insurer to give its full name and home-office city.
What CDPHP sells to Medicare beneficiaries in New York
- Medicare Advantage HMO and PPO plans with Part D built in
- Dual-eligible (D-SNP) plans
Not every product is sold in every county, and I don't offer every CDPHP plan. What I can quote for your ZIP code is settled in the first call.
Capital Region hospitals and CDPHP Medicare Advantage, 2026
| Hospital system | On the hospital's list? | Note from the list |
|---|---|---|
| Albany Med Health System Albany Medical Center (Albany), Saratoga Hospital (Saratoga Springs), Glens Falls Hospital, Columbia Memorial (Hudson), Malta Med Emergent Care | Yes | |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Yes | |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Yes |
From the three systems' accepted-insurance pages, read September 16, 2026. A carrier on a hospital's list does not mean every plan or every physician is in network; check the plan's directory. The full matrix and the hospitals' own wording are on which plans Capital Region hospitals accept.
What to watch
Albany Med and CDPHP publicly disputed their contract in late 2024; the hospital's 2026 list still includes CDPHP. Check the contract status each fall.
How I use this
I'm appointed with CDPHP and with its competitors, and I'm paid by the carrier rather than by you, at commission rates that Medicare caps for Advantage and Part D plans, so the comparison is a fair one. Every recommendation starts with your doctors and your hospital checked against the specific plan's directory, then your prescriptions priced through its formulary, then the total yearly cost. When a CDPHP plan is the right answer I'll say so; when it isn't, I'll say that too. Ask for a comparison, or read how to choose a Medicare plan in New York first. Official plan details: CDPHP's Medicare site.
- CDPHP Medicare (carrier site)
- Insurance company directory (NY Department of Financial Services) — legal entity names and home-office addresses, checked September 16, 2026
- Accepted insurance (Albany Med Health System)
- Accepted insurance (St. Peter's Health Partners)
- Participating insurance listing (Ellis Medicine)
- Comparison of 2026 Medicare Supplement premiums (NY DFS)
- Insurance Law §2122, advertising by licensees (New York State Senate)
I do not offer every plan available in your area. Any information I provide is limited to the plans I do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program for information on all of your options. Not connected with or endorsed by the U.S. government, the Social Security Administration or the federal Medicare program.
Common questions
Short answers to what people ask before they call.
Do you sell CDPHP Medicare plans?
Yes. I'm appointed with CDPHP and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every CDPHP plan is available in every county, and I don't offer every plan; I'll tell you which ones I can quote for your ZIP code.
Does Albany Med accept CDPHP Medicare Advantage?
See the hospital table on this page, taken from the Albany Med Health System's own accepted-insurance list as of September 2026, and remember that a carrier on the list does not guarantee every plan or physician is in network; the specific plan's directory is the final check.
Is CDPHP the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. A CDPHP plan is right when those check out against the specific plan, and wrong when they don't, regardless of what the carrier's advertising says. I run that comparison across carriers at no fee.
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.