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65 and Older

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65 and Older


If you are 65 and older, you have many different health insurance options. Most people 65 and older have Medicare, which is a national health insurance program. You might also purchase private insurance. Financial help is available. You can get help to apply for health insurance and financial help.

Health Insurance Options

  • Medicare: Most people who are 65 and older can get free Medicare Part A Hospital Insurance, which covers hospital visits. If you don't qualify for free Medicare Part A, you can purchase private insurance. Visit the NY State of Health Marketplace. Financial help is available.
  • Free or Low-Cost Insurance: If you have a low income, you may be eligible for help to pay for medical costs.
  • Managed Long Term Care Plans (MLTC): Plans that cover long term services for people who are chronically ill or disabled and wish to stay in their homes or communities.
  • Fully Integrated Duals Advantage Program (FIDA): If you have Medicare and Medicaid, you can enroll in FIDA to get all of your benefits from one plan.
  • Private/Qualified Health Plans: You can purchase insurance directly from an insurance company. You can apply on the NY State of Health if you don't qualify for Medicare or if you are a parent/caretaker relative of a minor.
  • Insurance through Your Job: You may be able to get insurance through your employer.

Get Help to Apply

You can find in-person help to apply on the NY State of Health Marketplace.

NYC's Facilitated Enrollment for the Aged, Blind and Disabled Program: For free help applying for Medicaid or for help to cover Medicare costs. You must be 65 and over and/or living with a disability or blindness.

Health Insurance Information Counseling and Assistance Program (HIICAP): For free, impartial information about Medicare and other health insurance options. Call 311 and ask for the Department for the Aging HIICAP Program.  

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