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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.
UnitedHealthcare is closely watching the Coronavirus (COVID-19)
UnitedHealthcare continues to partner with state and local public health departments, following guidance and protocols appropriate to our members that are provided by the U.S. Centers for Disease Control and Prevention (CDC), and state and local public health departments that are appropriate for our members. Please review the UnitedHealthcare Coronavirus (COVID-19) Information. To learn more, go to CDC.gov.
COVID-19 NY State PPE Fee Guidance
The New York State Department of Financial Services (DFS) recently issued guidance stating that care providers should not charge members additional fees for items such as personal protective equipment (PPE). DFS expects New York care providers to refund any of these charges paid by the member that were more than the member’s financial responsibility on a claim. If you have questions, you may contact your provider or call the number on the back of your card for assistance with filing a complaint.
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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® ONE (HMO D-SNP)
H3387-013-000
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 Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
Erie, Genesee, Monroe, Niagara, Orleans, and Wyoming.
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 is a Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
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 is a Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
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 is a Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
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 is a Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
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 Dual Complete® ONE (HMO D-SNP)
H3387-013-000
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 Health Maintenance Organization (HMO) plan. With an HMO plan, you must use network providers to get your medical care and services.
Erie, Genesee, Monroe, Niagara, Orleans, and Wyoming.
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Answer a few quick questions to see what type of plan may be a good fit for you.
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 Dual Advantage
NY Medicaid Advantage (UnitedHealthcare Dual Advantage) offers an excellent opportunity for people who are eligible for Medicaid and Medicare to enroll in UnitedHealthcare for most of their Medicare and Medicaid benefits - plus great additional benefits like no monthly premium and free transportation to medical appointments.
To find out if UnitedHealthcare Community Plan is offered in your county, please call 1-888-565-8170.
New York State sponsored health insurance programs.
For more information on Medicaid and Child Health Plus call New York Health Options at 1-855-693-6765.
For more information on Medicaid Managed Care, call New York Medicaid Choice at 1-800-505-5678.
Albany, Bronx, Broome, Chautauqua, Dutchess, Erie, Jefferson, Kings, Monroe, Nassau, New York, Niagara, Oneida, Onondaga, Orange, Queens, Rensselaer, Richmond, Rockland, Tioga, Ulster, and Westchester.
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.
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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