EmblemHealth Medicare plans in the Capital Region
What EmblemHealth 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 EmblemHealth; I'm also appointed with the carriers it competes with, which is the point.
EmblemHealth (EmblemHealth Plan, Inc. and HIP Health Plan of New York; home office New York, New York) sells the following to New York Medicare beneficiaries: Medicare Advantage HMO and PPO plans with Part D; Dual-eligible (D-SNP) plans; Medicare Supplement (Medigap) policies in New York. For Medigap, EmblemHealth is worth a quote in the Albany region; for Advantage, check the specific plan's network here before relying on it. I'm appointed with EmblemHealth 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
A New York City-based nonprofit insurer whose Medicare business is strongest downstate. Upstate it matters mostly for Medigap: EmblemHealth's Plan G, high-deductible G and Plan N are among the lower-priced options in the DFS Albany-region comparison. Its Advantage plans are listed by the Capital Region hospitals with 'does not participate in all plans' notes (Albany Med, Ellis) or for physician services only (St. Peter's).
Plans are issued by EmblemHealth Plan, Inc. and HIP Health Plan of New York, home office New York, New York (55 Water Street, New York, as listed by NY DFS). 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 EmblemHealth sells to Medicare beneficiaries in New York
- Medicare Advantage HMO and PPO plans with Part D
- Dual-eligible (D-SNP) plans
- Medicare Supplement (Medigap) policies in New York
Not every product is sold in every county, and I don't offer every EmblemHealth plan. What I can quote for your ZIP code is settled in the first call.
Capital Region hospitals and EmblemHealth 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 | Partial | listed with 'does not participate in all plans' |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Partial | physician services only; commercial and Medicare Advantage |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Partial | listed as GHI/Emblem, 'does not participate in all plans' |
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.
EmblemHealth Medigap premiums, Albany region
| Plan | Monthly premium |
|---|---|
| Plan G | $394.69 / $417.27 |
| High-deductible Plan G | $61.83 / $65.36 |
| Plan N | $287.51 / $303.96 |
DFS comparison of community-rated Medicare Supplement premiums in effect July 1, 2026, Albany region (ZIP prefixes 120–123 and 128–129); the same premium applies at every age in New York. All carriers side by side: Medigap rates, Albany region.
What to watch
For Medigap, EmblemHealth is worth a quote in the Albany region; for Advantage, check the specific plan's network here before relying on it.
How I use this
I'm appointed with EmblemHealth 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 EmblemHealth 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: EmblemHealth's Medicare site.
- EmblemHealth 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 EmblemHealth Medicare plans?
Yes. I'm appointed with EmblemHealth and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every EmblemHealth 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 EmblemHealth 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 EmblemHealth the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. A EmblemHealth 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.
Does EmblemHealth sell Medigap in New York?
Yes. EmblemHealth files community-rated Medicare Supplement premiums with the New York Department of Financial Services; in New York the same premium applies at every age and the policy is guaranteed-issue in any month. Albany-region premiums for the carriers in the DFS comparison are on the Medigap rates page.
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.