Medicare agent for Schoharie County

Where Schoharie County residents get care

• Cobleskill Regional Hospital, at 178 Grandview Drive in Cobleskill, (518) 254-3456, a not-for-profit subsidiary of the Bassett Healthcare Network, with an emergency department open around the clock. Bassett's insurance page lists carriers for its practitioners, not individual Medicare Advantage plans, so the plan's own directory is the check.
• Other Bassett sites, Schenectady or Albany. If you see specialists elsewhere, check each one separately: being in the same health system does not mean the same insurance contracts. Ellis Hospital and Albany Medical Center each have a page with their own accepted-insurance wording.

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

What's particular about Schoharie County

• Its own plan list. Medicare Advantage plans are filed by county, so a Cobleskill 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 Schoharie County

Advantage plans are filed and priced by county, so the list for Schoharie 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 Schoharie County changes each January. What decides the choice in this county is whether the plan lists Cobleskill Regional Hospital and the Bassett Healthcare Network, and any specialists you see in Schenectady or Albany — the plan's provider directory, not the carrier name, is the final check.

Every Medicare Advantage plan sold in Schoharie County for 2027 is on its own page: all 34 of them, with carrier, plan type, special-needs status and which 34 I can enroll you in, straight from the CMS file.

Medicare Advantage plans in Schoharie County, 2027

Plans filed	34
Open to anyone with Parts A and B	21
Special Needs Plans	13
Carriers	7

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 Schoharie County · the same counts for every county I serve.

The plan finder narrows this to the plan types and carriers worth your time in Schoharie 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 Schoharie County

Cobleskill · Schoharie · Middleburgh · Sharon Springs · Richmondville

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: Schenectady County, Albany County, Montgomery County and Greene County. Request a review.

Run a business here too? Business insurance in Schoharie 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.