Original Medicare vs a plan · Onondaga County, NY · 2027 plan year
Original Medicare vs Trinity Health Plan New York Glory No RX (HMO)
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
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Trinity Health Plan New York Glory No RX (HMO)
- Plan premium
- $0 a month
- Yearly limit, in network
- $6,300
- 2027 star rating
- 3 of 5
- Prior authorization needed for
- 6 services
In New York, you can go back to Medigap later
New York requires Medigap companies to sell you a plan at any time of year, and your health does not change the price. So you can try Medicare Advantage and go back to Original Medicare with Medigap later.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026) lists $265 to $667 a month for a 65-year-old woman who does not use tobacco. We start at the lowest price. Health questions can raise the price after your first 6 months with Part B.
Original Medicare
With Medigap Plan G at $265 a month and Wellcare Value Script (PDP)
$8,606 a year
- Premiums
- $6,139
- Medical costs
- $292
- Drugs
- $2,175
Most you can pay in a bad year, before drugs: $6,431.
Trinity Health Plan New York Glory No RX (HMO)
HMO from Trinity Health Plan New York
$10,166 a year
- Premiums
- $1,794
- Medical costs
- $1,340
- Drugs
- $7,032
Most you can pay in a bad year, before drugs: $8,094. This plan has no drug coverage, and its members cannot add a separate drug plan. We count drugs at full price. People often pick it when they get drugs from the VA, TRICARE, or an employer.
With these settings, Original Medicare costs about $1,560 less a year than Trinity Health Plan New York Glory No RX (HMO).
Tipping point for Trinity Health Plan New York Glory No RX (HMO): with this drug use, if your medical copays and coinsurance in this plan pass $0 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $6,300.
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$25
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Trinity Health Plan New York Glory No RX (HMO)
$0
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$295
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$395
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Trinity Health Plan New York Glory No RX (HMO)
$200
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Trinity Health Plan New York Glory No RX (HMO)
$1,975
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Trinity Health Plan New York Glory No RX (HMO) |
|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $265 + drug plan $37.30 | $0 (pays back $60 a month of your Part B premium) + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $6,300 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $25 copay |
| Lab tests | $0, most Medicare-covered tests | $0 copay |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $295 copay |
| X-rays | $0, after the $292 yearly Part B deductible | $35 copay |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$395 copay |
| Surgery center | $0, after the $292 yearly Part B deductible | $395 copay |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $200 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $395 per day for days 1-5; $0 per day for days 6-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $221 per day for days 21-65; $0 per day for days 66-100 |
| Mental health visit | $0, after the $292 yearly Part B deductible | $25 copay |
| Physical therapy | $0, after the $292 yearly Part B deductible | $25 copay |
| Home health care | $0, Medicare-covered home health | $0 copay |
| Medical equipment | $0, after the $292 yearly Part B deductible | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | No drug coverage |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 39% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | No drug coverage |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In New York, 9 drug plans are for sale for 2027, from $37.30 to $238.30 a month. Half of them cost $169.30 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
Trinity Health Plan New York Glory No RX (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- No referral needed to see a specialist.
Prior authorization for 6 services
Ambulance, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Trinity Health Plan New York Glory No RX (HMO) |
|---|---|---|
| Dental | No | Comprehensive, up to $1,000 a year |
| Eye exam | No | Yes |
| Glasses or contacts | No | Yes, $225 allowance |
| Hearing aids | No | Yes, copays from $399 |
| Over-the-counter allowance | No | $200 a year |
| Fitness benefit | No | Yes |
| Rides to care | No | No |
| Meals after a hospital stay | No | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes |
| Part B premium giveback | No | $60 a month |
What changed for 2027
Trinity Health Plan New York Glory No RX (HMO)
Renewal Plan · 2026 plan H9827-003-0
- In-network out-of-pocket maximum up from $5,500 to $6,300
- Diagnostic radiology (MRI, CT): $275 copay to $295 copay
- Outpatient hospital: $0-$350 copay to $0-$395 copay
- Ground ambulance: $150 copay to $200 copay
- Inpatient hospital: $375 per day for days 1-5; $0 per day for days 6-90 to $395 per day for days 1-5; $0 per day for days 6-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-60; $0 per day for days 61-100 to $0 per day for days 1-20; $221 per day for days 21-65; $0 per day for days 66-100
- Eyewear allowance up from $200 to $225
More 2027 plans in Onondaga County
- Wellcare Simple Open (PPO), H2775-106 (page for Kings County, NY)
- AARP Medicare Advantage from UHC NY-0006 (HMO-POS), H3379-039
- Aetna Medicare Signature (PPO), H5521-077
- Wellcare Giveback Open (PPO), H2775-111 (page for Kings County, NY)
- HumanaChoice H5970-029 (PPO) (page for Erie County, NY)
- MVP Medicare Secure Plus with Part D (HMO-POS), H3305-022 (page for Westchester County, NY)
- Aetna Medicare Signature (HMO), H3312-048
- Humana USAA Honor Giveback (PPO), H5970-016 (page for Kings County, NY)
County guide: 2027 plans in Onondaga CountyState guide: New York
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026), pulled 2026-10-13. They are for the price area that includes ZIP 13027. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Trinity Health Plan New York Glory No RX (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices: New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026)
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.