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New York health plans
Looking for low-cost or no-cost health insurance? We offer Medicaid plans. We also offer dual health plans for people with both Medicaid and Medicare.
For general information about the plans in your state, visit New York's homepage.
NY Recertification Scam Notice
Recently, New York Attorney General Letitia James and the New York State Department of Health warned all New Yorkers with Medicaid, Child Health Plus, and the Essential Plan to be on the lookout for fraudulent requests targeting enrollees as they renew their coverage. Continuous coverage ended for these public health insurance programs on March 31, 2023. Starting in mid-March, renewal notices began going out to enrollees with detailed instructions on how to stay covered and their deadline to take action.
There have been reports of scammers taking advantage of this process, threatening New Yorkers that their Medicaid coverage is cancelled or at risk for cancellation unless they provide hundreds of dollars to reinstate or continue benefits. This is false. New York State will never charge Medicaid consumers to enroll or re-enroll.
In a recent consumer alert, Attorney General James and Acting Department of Health Commissioner Dr. McDonald shared tips on how to stay vigilant and spot potential abuse, and offered additional information on the renewal process.
Additionally, New Yorkers are encouraged to visit the New York State Department of Health website or its Medicaid information page for more information about public health insurance renewals.
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Polio Executive Order for State of New York
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You may qualify for a dual health plan if:
- You are under age 65 and qualify on the basis of disability or other special situation OR you are at least 65 years old and receive extra help or assistance from your state.
- You're a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years.
- You live in the plan's service area.
Before selecting a specific dual health plan, review the plan’s full or partial Medicaid coverage requirements.
You may qualify for a dual health plan if:
- You are under age 65 and qualify on the basis of disability or other special situation OR you are at least 65 years old and receive extra help or assistance from your state.
- You're a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years.
- You live in the plan's service area.
Before selecting a specific dual health plan, review the plan’s full or partial Medicaid coverage requirements.
You may qualify for a dual health plan if:
- You are under age 65 and qualify on the basis of disability or other special situation OR you are at least 65 years old and receive extra help or assistance from your state.
- You're a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years.
- You live in the plan's service area.
Before selecting a specific dual health plan, review the plan’s full or partial Medicaid coverage requirements.
UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP) UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP)
H3387-014-001
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.
UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP) UnitedHealthcare Dual Complete® Plan 1 (HMO-POS D-SNP)
H3387-014-002
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.
UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP) UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP)
H3387-015-001
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.
UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP) UnitedHealthcare Dual Complete® Plan 2 (HMO-POS D-SNP)
H3387-015-002
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This plan is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. “Point-of-Service” means you can use providers outside the plan’s network for an additional cost.
UnitedHealthcare Dual Complete® Choice (PPO D-SNP) UnitedHealthcare Dual Complete® Choice (PPO D-SNP)
H0271-060-001
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.
UnitedHealthcare Dual Complete® Choice (PPO D-SNP) UnitedHealthcare Dual Complete® Choice (PPO D-SNP)
H0271-060-002
Monthly premium: $0.00*
* Your costs may be as low as $0, depending on your level of Medicaid eligibility.
This dual health plan is for people who qualify for both Medicaid and Medicare Parts A & B (Original Medicare).
This is a Preferred Provider Organization (PPO) plan. You have access to a local network of doctors and hospitals. Plus, you can see any provider outside the network nationwide that participates in Medicare and accepts the plan. You may pay a higher copay or coinsurance when you see an out-of-network provider.
UnitedHealthcare Community Plan
The New York State Medicaid Managed Care Plan is offered through UnitedHealthcare Community Plan. It’s for New York State residents who meet the income or disability requirements.
Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Herkimer, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.
UnitedHealthcare Wellness4Me
The Wellness4me Plan is offered through UnitedHealthcare Community Plan. Wellness4Me is a Health and Recovery Plan, or HARP, approved by New York State. HARPs are a new kind of plan that provide Medicaid members with their health care, plus care for behavioral health, including Serious Mental Illness and Substance Use Disorders.
This plan is for New York residents age 21 and who qualify for Medicaid coverage.
Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Herkimer, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.
Need help finding a plan?
Answer a few quick questions to see what type of plan may be a good fit for you.
Child Health Plus
The New York State Child Health Plus program from UnitedHealthcare Community Plan is for children up to age 19. Members must be residents of New York and are not eligible for Medicaid or enrolled in or access to NYSHIP benefits. You can choose your child’s doctor. And your child gets many services to stay healthy.
Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Fulton, Genesee, Herkimer, Jefferson, Kings, Lewis, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Oswego, Queens, Rensselaer, Richmond, Rockland, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, and Westchester.
Essential Plan
The Essential Plan is offered through UnitedHealthcare Community Plan. It's for lower income individuals in New York who meet the income or citizenship status requirements.
Starting June 1, 2021, there will be no monthly premium for Essential Plan coverage and all Essential Plan enrollees will have dental and vision benefits with no premium or cost sharing for covered services.
Albany, Bronx, Broome, Cayuga, Chautauqua, Chemung, Chenango, Clinton, Columbia, Dutchess, Erie, Essex, Franklin, Fulton, Genesee, Greene, Jefferson, Kings, Lewis, Livingston, Madison, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Queens, Rensselaer, Richmond, Rockland, Saratoga, Schenectady, Seneca, St. Lawrence, Suffolk, Tioga, Ulster, Warren, Wayne, Westchester, Wyoming, and Yates.
To learn more about applying for health insurance, including Medicaid, Child Health Plus, Essential Plan, and Qualified Health Plans through NY State of Health, The Official Health Plan Marketplace, visit www.nystateofhealth.ny.gov or call 1-855-355-5777.
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