Medicare agent for Keene and Keene Valley

Where Keene residents get care

Primary care in Keene and the hospital in Saranac Lake are run by Adirondack Health; the county's other hospital is in Elizabethtown, under a different health system:

• Adirondack Health — the Keene Health Center at 2841 State Route 73 in Keene (518-576-9771; weekdays 8 to 4). Its hospital is Adirondack Medical Center, 2233 State Route 86 in Saranac Lake (518-891-4141), with 24-hour emergency care and inpatient and outpatient medical and surgical services. The system also runs the Lake Placid Health Center, covered on the Lake Placid page.
• University of Vermont Health – Elizabethtown Community Hospital — a critical access hospital at 75 Park Street in Elizabethtown (518-873-6377), with a second location in Ticonderoga, providing emergency, inpatient, rehabilitation and specialty care. The Elizabethtown page has more on it.

With a Medicare Advantage HMO, your primary-care doctor, your specialists, the hospital they admit to and any rehab after a hospital stay all have to be in the plan's directory for the year. Original Medicare with a Medigap policy has no network, so any provider that accepts Medicare works. Neither Adirondack Health nor Elizabethtown Community Hospital has a page of its own on this site, so I check the health center, the hospital and each of your doctors by name in the plan's directory for Essex County.

What's particular about Keene

• Three hamlets, one plan list. The Town of Keene, formed in 1808 from parts of Elizabethtown and Jay, takes in the hamlets of Keene, Keene Valley and St. Huberts, and Mount Marcy, the state's highest peak. The Town is in Essex County, and so is all of the land in the 12942 and 12943 ZIP areas, so everyone here sees the Essex County plan list: 22 Medicare Advantage plans for 2027. 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.
• Two health systems. Day-to-day care can be at the Keene Health Center while an emergency or an admission goes to Saranac Lake or Elizabethtown. A plan has to include the doctors and the hospital you'd actually use.
• Getting to appointments. The Essex County Office for the Aging arranges medical rides for residents 60 and over with volunteer drivers; call as soon as the appointment is booked. The county bus page lists no current route through Keene, because the Mountain Valley Shoppers route that named Elizabethtown–Keene is closed until further notice. Medicaid members can book non-emergency medical rides through MAS (866-883-7865). If rides are hard to arrange, the plan's doctors have to be somewhere you can reach.
• 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 Keene (12942) and Keene Valley (12943). 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.
• Retiree and employer coverage first. State, county, school district and hospital retirees, and people still working at 65, have coverage that coordinates with Medicare in its own way. Whether an individual plan adds to it or cancels it comes before any comparison; NYSHIP retirees and Medicare while working past 65 cover two common cases.

Keene Medicare facts for 2027

• Plans: 22 Medicare Advantage plans are sold in Essex County for 2027, and I can enroll you in 20 of them. Every 2027 plan in Essex County.
• Social Security office: Plattsburgh Social Security Office, which serves most of Essex County: Elizabethtown, Lake Placid, Keene, Willsboro, Mineville and Saranac Lake (Ticonderoga and Schroon Lake go to Glens Falls). 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.

How we work from Keene

My office is in Clifton Park, and I work with Keene residents by phone, WhatsApp and video. A first call takes about fifteen minutes: your ZIP code, your doctors and where they are, your prescriptions, and any retiree, VA or Medicaid coverage. Nothing is decided on a first call; the comparison comes to you in writing and we go through it together by video or phone.

What a Keene plan review covers

1. Every doctor you see, checked against each plan's current directory, including the Keene Health Center, Adirondack Medical Center and, if you use it, Elizabethtown Community Hospital.
2. Prescriptions priced through each plan's formulary for the full year, at the pharmacy you actually use.
3. Retiree, employer, 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, 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 Essex County. Also in Essex County: Lake Placid · Elizabethtown · Ticonderoga.

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 Keene.

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.