Medicare agent for Chestertown and the Town of Chester

Where Chester residents get care

• Chester-Horicon Health Center, 6223 State Route 9, Chestertown (518-494-2761) — part of Hudson Headwaters Health Network. It has family medicine, gynecology, podiatry, lab draws, behavioral health, nutrition counselling and diabetes education, and clinical pharmacy services, open weekdays 8 to 4:30 and Saturday mornings, with an on-call provider by phone after hours. It does not list urgent care; Hudson Headwaters lists urgent care at its Warrensburg Health Center, 3767 Main Street in Warrensburg.
• Glens Falls Hospital, 100 Park Street, Glens Falls (518-926-1000) — a member of the Albany Med Health System. The Glens Falls Hospital page places every plan sold in Warren County against the hospital's own list.
• Specialists further south. Saratoga Hospital and Albany Medical Center are in the same health system as Glens Falls Hospital, but being in the same system does not mean the same insurance contracts. If you see a specialist in Saratoga Springs or Albany, I check that office separately.

Hudson Headwaters' insurance page lists Medicare and the carriers it works with, but it names carriers, not individual Medicare Advantage plans. With Medicare Advantage, the health center, the hospital and each specialist all have to be in the specific plan's directory for the year; Original Medicare with a Medigap policy has no network, so any provider that accepts Medicare works. The carriers each Capital Region hospital lists are on one page.

What's particular about Chester

• Two hamlets, different services. Warren County's hamlet profiles list a grocery store, a pharmacy and the health center in Chestertown, and no pharmacy, no grocery store and no medical services in Pottersville, a crossroads on Route 9 for travelers from North Creek and Schroon Lake. Part D and Medicare Advantage plans can charge different amounts at different pharmacies, so I price your prescriptions at the one you actually use, and at the plan's mail-order price where it has one.
• Urgent care and the hospital are priced separately. The health center in Chestertown lists primary care, not urgent care. A Medicare Advantage plan charges separately for urgent care, an emergency room visit, an ambulance and a hospital stay, so I show those costs for each plan, not just the premium.
• Getting there without driving. Warren County's free errand van serves Chester, for people 60 and over and veterans of any age, for pharmacy visits, grocery shopping and other errands, and the Office for the Aging lists volunteer rides to medical appointments. Both are booked through the Office for the Aging at (518) 761-6347.
• One county list for the whole town. Chestertown, Pottersville and the rest of the Town of Chester are in Warren County, so every address in town sees the same Medicare Advantage list: 45 plans for 2027. If you live here part of the year, the plan list follows where you live, and a move out of your plan's service area, or to an address with new plan options, opens a Special Enrollment Period that runs for two full months after the move.
• Medigap is priced like Albany. New York's Department of Financial Services compares Medigap premiums by region, and its Albany region covers ZIP codes starting 120–123 and 128–129, which takes in Chestertown (12817). In New York you can buy or switch Medigap in any month without health questions; the current premiums for the region are on their own page.
• Winters away and retiree coverage. If you spend part of the year somewhere warmer, an HMO generally covers care outside its network only for emergencies, urgent care away from home and temporary out-of-area dialysis; a PPO may cover out-of-network providers at a higher cost, and Original Medicare with Medigap works with any provider in the country that accepts Medicare. If you have retiree coverage, how it coordinates with Medicare comes first; NYSHIP retirees and Medicare while working past 65 cover the two most common cases.

Chestertown and Chester Medicare facts for 2027

• Plans: 45 Medicare Advantage plans are sold in Warren County for 2027, and I can enroll you in 44 of them. Every 2027 plan in Warren County · what changed since 2026.
• Hospitals: which carriers' plans each one lists for 2027: Glens Falls Hospital · Saratoga Hospital · Albany Medical Center.
• Social Security office: Glens Falls Social Security Office, which serves Warren and Washington counties and northern Saratoga County: Glens Falls, Queensbury, South Glens Falls, Lake George, Hudson Falls, Saratoga Springs and Wilton, plus Ticonderoga and Schroon Lake in southern Essex County. Medicare Part A and B sign-up runs through Social Security.
• Before you choose: Medicare Advantage vs Medigap in New York · reading your 2027 Annual Notice of Change · turning-65 checklist.

Meeting in Chestertown

My office is in Clifton Park, off Northway Exit 9. I come up the Northway to meet Chestertown, Pottersville and Town of Chester clients at home, or we talk by phone, WhatsApp or video. A first call takes about fifteen minutes: your ZIP code, your doctors, your prescriptions and pharmacy, and any retiree, VA or Medicaid coverage. Nothing is decided on a first call.

What a Chester plan review covers

1. Every doctor you see, checked against each plan's current directory: the Chester-Horicon Health Center and your provider there, Glens Falls Hospital, and any specialists in Saratoga Springs or Albany.
2. Prescriptions priced through each plan's formulary for the full year, at the pharmacy you actually use and by mail where the plan offers it.
3. Retiree, VA or Medicaid coverage and exactly how each option would interact with it, plus a screening for the Medicare Savings Program and Extra Help.
4. A written comparison with total yearly cost, including urgent care, emergency and ambulance costs, and a plain statement of whether your current coverage should be left alone.

No fee for Medicare plan help. Request a review, or read the wider Medicare page for all of Warren County. Nearby: Lake George and Warrensburg · Bolton Landing · Schroon Lake · Glens Falls.

Comparing agents? How to check any Medicare agent in New York, me included: the license lookup, the questions to ask and the disclosures to expect.

Run a business here too? Business insurance in Chestertown.

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.