MVP Medicare Advantage plans are available in Northern New York. The policies provide hospitalization and outpatient medical insurance, as well as prescription drug coverage and extra perks.
Some MVP costs, such as monthly premiums and hospitalization copayments, may vary among the different plan options.
Glossary of Medicare terms
- Out-of-pocket cost: This is the amount a person must pay for care when Medicare does not pay the total amount or offer coverage. Costs can include deductibles, coinsurance, copayments, and premiums.
- Premium: This is the amount of money someone pays each month for Medicare coverage.
- Deductible: This is an annual amount a person must spend out of pocket within a certain period before Medicare starts to fund their treatments.
- Coinsurance: This is the percentage of treatment costs that a person must self-fund. For Medicare Part B, coinsurance is 20%.
- Copayment: This is a fixed dollar amount a person with insurance pays when receiving certain treatments. For Medicare, this usually applies to prescription drugs.
MVP Health Care is an insurance company that offers health plans in Northern New York.
The company provides several Medicare Advantage plans that fall into either the Health Maintenance Organization Point-of-Service (HMO-POS) or Preferred Provider Organizations (PPO) category.
HMOs are a type of Medicare Advantage plan that typically requires members to receive medical care and services from in-network providers. HMO-POS plans may allow members to receive some services from out-of-network providers. However, out-of-network care typically costs more.
PPOs have a network of healthcare providers and hospitals. Members typically pay less if they go to an in-network provider. They have the ability to go to out-of-network providers, but they will generally have to pay more for the services.
Learn more about HMOs vs. PPOs.
What coverage MVP offers
MVP Medicare Advantage plans provide hospitalization benefits in addition to medical services, such as doctor visits, lab tests, and cardiac rehabilitation.
They also offer coverage of prescription drugs, chiropractic care, and diabetic supplies.
Some plans include extra benefits, such as dental, hearing, and vision care.
All plans include:
- free SilverSneakers gym membership
- free telemedicine services
- access to 24-7 expert health advice
- free MPV Living Well program — a health education program that comes with free or discounted exercise classes
- mental health services
- meals after a hospital stay
New 2025 MVP Advantage plan features
In 2025, new features for some MVP Medicare Advantage plans will include:
- no more than $2,000 out-of-pocket for prescription drugs
- no more coverage gap (donut hole) on Part D plans
- flexible dental benefits
- prepaid benefits cards
People with Medicare Advantage must pay the Part B monthly premium, which changes annually.
Aside from this expense, a person with an MVP Medicare Advantage plan must pay deductibles, copays, coinsurance, and monthly premiums.
The following table gives examples of plans available through MVP. Individuals can find more information on plans available in their area on the MVP website.
| MVP Medicare WellSelect with Part D (PPO) Zip Code: 12084 | MVP Medicare Secure Plus with Part D (HMO-POS) Zip Code: 12084 | UVM Health Advantage Select with Part D (PPO) Zip Code: 12901 | MVP Medicare Preferred Gold without Part D (HMO-POS) Zip Code: 12901 | |
|---|---|---|---|---|
| Monthly premium | $0 | $96.20 | $0 | $0 |
| Medical deductible | $0 | $0 (in-network) | $0 (in-network) | $0 (in-network) |
| Out-of-pocket | $7,800 (in-network) $12,000 (in- and out-of-network combined) | $6,000 | $7,900 (in-network) $9,000 (in- and out-of-network combined) | $7,200 |
| Prescription drug deductible | $0 (tiers 1 and 2) $350 (tiers 3-5) | No dedictible | $0 (tiers 1 and 2) $350 (tiers 3-5) | N/A |
Learn more about Medicare Part D plan costs.
Choosing a Medicare Advantage plan is an important decision, and there are many aspects to consider.
A person may wish to compare all the plans’ costs and weigh these against their benefits.
It may help to seek advice before making a final decision.
An individual can call 800-324-3899 (TTY: 711) to speak with an MVP Medicare Advisor.
Before selecting a health plan, it may be advisable to check the options that other companies offer. A person can use Medicare’s search tool to view policies from all companies in their area.
An individual may call 800-MEDICARE (800-633-4227) for impartial advice, and a deaf person may call 877-486-2048.
Alternatively, the State Health Insurance Assistance Program (SHIP) also offers impartial advice. People can contact them by phone at 877-839-2675 or by visiting their local SHIP office.
Medicare resources
For more resources to help guide you through the complex world of medical insurance, visit our Medicare hub.
MVP is a private insurance company that offers Medicare Advantage plans to certain areas of Northern New York.
They offer all the coverage of Original Medicare, as well as prescription drug coverage and other perks, such as disease management support, medication review, and telemedicine.
Some plans also include dental, vision, and hearing care.