Medicare agent for Otsego County

Where Otsego County residents get care

• Bassett Medical Center, at 1 Atwell Road in Cooperstown, (607) 547-3456, the hub of the Bassett Healthcare Network, with 24-hour emergency and trauma care.
• A.O. Fox Hospital, at 1 Norton Avenue in Oneonta, (607) 432-2000, one of Bassett's community hospitals, with emergency services. Bassett's insurance page lists carriers for its practitioners, not individual Medicare Advantage plans, so the plan's own directory is the check.
• Specialists elsewhere. If you also see doctors outside the Bassett network, check each one separately: a plan that lists one hospital does not automatically list the next.

Before we look at a single premium, I run every doctor you see against each plan's current directory for Otsego County.

What's particular about Otsego County

• Its own plan list. Medicare Advantage plans are filed by county, so an Oneonta address and an address across the line in a neighbouring county can see different plan lists.
• Distance. In the rural towns the nearest in-network doctor can be a long drive. A plan with a small local network costs you in miles, not just dollars, so we look at where the in-network providers actually are.
• Help with costs. New York's Medicare Savings Program, Extra Help and EPIC have no asset test for the Medicare Savings Program, so they're worth checking even if you think your income is too high.
• Medigap. In New York you can buy or switch Medigap in any month without health questions. Premiums are set by region, and I check the Department of Financial Services' published rates for yours.

Medicare Advantage plans in Otsego County

Advantage plans are filed and priced by county, so the list for Otsego County is its own list. The carriers whose plans I'm authorized to offer here are the 11 on the carriers page, each with what it sells and which of the region's hospitals list it; which of their plans are sold in Otsego County changes each January. What decides the choice in this county is whether the plan lists Bassett Medical Center in Cooperstown and A.O. Fox Hospital in Oneonta, and any specialists you see outside the Bassett network — the plan's provider directory, not the carrier name, is the final check.

Every Medicare Advantage plan sold in Otsego County for 2027 is on its own page: all 28 of them, with carrier, plan type, special-needs status and which 21 I can enroll you in, straight from the CMS file.

Medicare Advantage plans in Otsego County, 2027

Plans filed	28
Open to anyone with Parts A and B	14
Special Needs Plans	14
Carriers	8

Source: CMS Medicare Advantage and Part D landscape file, contract year 2027, read October 27, 2026. Special Needs Plans are only open to people with Medicaid, certain chronic conditions, or living in a facility. The 2027 plan list for Otsego County · the same counts for every county I serve.

The plan finder narrows this to the plan types and carriers worth your time in Otsego County, in eight questions. How Advantage works statewide, the 2026 and 2027 out-of-pocket caps and the New York rule that makes it reversible: Medicare Advantage plans in New York. The two routes in dollars: Advantage vs Medigap in New York. Whether you can switch today: the enrollment check.

Towns in Otsego County

Oneonta · Cooperstown · Richfield Springs · Otego · Unadilla

How a plan review works

1. A short call by phone, WhatsApp or video: your ZIP code, your doctors, your prescriptions, any retiree or VA coverage.
2. A written comparison of the two or three plans I'd genuinely consider for you, with total yearly cost, not just premium.
3. If you enroll through me, I submit it and remain your contact. No fee for any of it.

If you're turning 65, start about six months out. If you're already on a plan, check it each fall during the Annual Enrollment Period. Next door: Schoharie County, Montgomery County and Herkimer County. Request a review.

Run a business here too? Business insurance in Otsego County.

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.