UnitedHealthcare Medicare plans in the Capital Region
What UnitedHealthcare 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 UnitedHealthcare; I'm also appointed with the carriers it competes with, which is the point.
UnitedHealthcare (UnitedHealthcare of New York, Inc. (HMO plans) and UnitedHealthcare Insurance Company of New York (PPO plans and AARP Medicare Supplement policies); home office New York, New York; Hartford, Connecticut) sells the following to New York Medicare beneficiaries: 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. Sunnyview Rehabilitation Hospital in Schenectady does not participate in UnitedHealthcare Medicare plans, per St. Peter's Health Partners' list. I'm appointed with UnitedHealthcare 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 largest Medicare Advantage carrier in the country and the insurer behind the AARP-branded Medicare Supplement policies, which are among the lower-priced Plan G and Plan N options in the Albany region. In the Capital Region the news in 2026 is on the Advantage side: Albany Medical Center now accepts all UnitedHealthcare products except Medicaid, effective December 15, 2025, after a period out of network; Saratoga Hospital, Glens Falls Hospital, St. Peter's and Ellis list UnitedHealthcare too.
Plans are issued by UnitedHealthcare of New York, Inc. (HMO plans) and UnitedHealthcare Insurance Company of New York (PPO plans and AARP Medicare Supplement policies), home office New York, New York; Hartford, Connecticut (UnitedHealthcare of New York, Inc., 7 Hanover Square, New York; UnitedHealthcare Insurance Company of New York, 185 Asylum Street, Hartford, Connecticut, 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 UnitedHealthcare sells to Medicare beneficiaries in New York
- 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
Not every product is sold in every county, and I don't offer every UnitedHealthcare plan. What I can quote for your ZIP code is settled in the first call.
UnitedHealthcare Medicare Advantage plans in the counties I cover, 2027
16 UnitedHealthcare plans are filed in the 17 counties I cover for 2027 (Albany, Saratoga, Schenectady, Rensselaer, Warren and Washington in person, the others by phone and video), according to the CMS landscape file read October 27, 2026. Premiums, benefits and star ratings are in each plan's own documents; which of these I can enroll you in, and whether one fits, is the comparison against your doctors and prescriptions.
| Plan | Type | Sold in |
|---|---|---|
| AARP Medicare Advantage from UHC NY-0015 (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Fulton, Columbia, Greene |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | HMO-POS | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Fulton, Columbia, Greene |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | HMO-POS | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Fulton, Columbia, Greene, Ulster, Dutchess |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | HMO-POS C-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Fulton, Columbia, Greene |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | HMO-POS D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| UHC Dual Complete NY-S001 (PPO D-SNP) | PPO D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Albany, Schenectady, Rensselaer, Warren |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Albany, Schenectady, Rensselaer, Warren, Fulton, Columbia, Greene, Herkimer, Essex, Ulster, Dutchess |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | PPO I-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Fulton, Columbia |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Saratoga, Washington, Montgomery, Schoharie, Otsego, Hamilton |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Fulton, Columbia, Greene, Herkimer, Ulster, Dutchess |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | HMO-POS D-SNP | Essex |
| AARP Medicare Advantage from UHC NY-0013 (PPO) | PPO | Ulster, Dutchess |
| AARP Medicare Advantage from UHC NY-34 (HMO-POS) | HMO-POS | Ulster, Dutchess |
| UHC Complete Care NY-35 (HMO-POS C-SNP) | HMO-POS C-SNP | Ulster, Dutchess |
| UHC Nursing Home Plan NY-F002 (PPO I-SNP) | PPO I-SNP | Ulster, Dutchess |
Every carrier's plans, county by county: Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington.
What changed for UnitedHealthcare from 2026 to 2027
Across the six Capital Region counties: 2 renamed or moved to a new plan ID. Every other UnitedHealthcare plan continues under the same plan ID; its premium, network and benefits can still change, and your Annual Notice of Change lists what did.
| Change | Plan | Plan ID | Counties |
|---|---|---|---|
| Renamed | UHC Dual Complete NY-Y001 (HMO-POS D-SNP) → UHC Dual Complete NY-YL (HMO-POS D-SNP) | H3387-013 | Albany, Schenectady, Rensselaer, Warren |
| New plan ID, same plan | UHC Dual Complete NY-S002 (HMO-POS D-SNP) | H3387-014-1 → H3387-014-5 | Albany, Schenectady, Rensselaer, Warren |
From the CMS landscape files for 2026 and 2027, read October 27, 2026. The comparison covers the six Capital Region counties; the other counties on this site have no 2026 list here to compare against. Every carrier's changes, county by county: what changed for 2027.
Capital Region hospitals and UnitedHealthcare 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 | Listed | Albany Medical Center: all UHC products except Medicaid, effective Dec 15, 2025; Saratoga and Glens Falls also list United Healthcare |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Listed | Sunnyview Rehabilitation Hospital does not participate in UHC Medicare plans |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Listed |
From the three systems' accepted-insurance pages, read October 15, 2026. "Listed" means the carrier appears on the hospital's list, not that every plan or every physician is in network; "Not accepted" means the hospital states the exclusion; "Not listed" means the carrier is absent from the list, which is unverified rather than excluded. Check the specific plan's directory either way. The full matrix and the hospitals' own wording are on which plans Capital Region hospitals accept; where each UnitedHealthcare plan stands, hospital by hospital: Albany Medical Center, St. Peter's Hospital, Ellis Hospital, Saratoga Hospital, Samaritan Hospital, Glens Falls Hospital.
UnitedHealthcare Medigap premiums, Albany region
| Plan | Monthly premium |
|---|---|
| Plan G | $336.25 / $342.50 |
| High-deductible Plan G | Not offered |
| Plan N | $269.00 / $279.25 |
DFS comparison of community-rated Medicare Supplement premiums in effect October 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
Sunnyview Rehabilitation Hospital in Schenectady does not participate in UnitedHealthcare Medicare plans, per St. Peter's Health Partners' list.
How I use this
I'm appointed with UnitedHealthcare 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 an UnitedHealthcare 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: UnitedHealthcare's Medicare site.
- UnitedHealthcare 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)
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.
Do you sell UnitedHealthcare Medicare plans?
Yes. I'm appointed with UnitedHealthcare and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every UnitedHealthcare 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 UnitedHealthcare Medicare Advantage?
See the hospital table on this page, taken from the Albany Med Health System's own accepted-insurance list as read October 15, 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 UnitedHealthcare the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. An UnitedHealthcare 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 UnitedHealthcare sell Medigap in New York?
Yes. UnitedHealthcare 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.