1. New York Medicare supplement (Medigap) insurance is distinctive in that it generally must be:

Community rated with continuous open enrollment and guaranteed issue

New York requires Medicare supplement policies to be community rated and offered on a continuous open-enrollment, guaranteed-issue basis.

2. The New York State Partnership for Long-Term Care allows a buyer of a qualified LTC policy to:

Protect assets from Medicaid spend-down for benefits paid by the policy

The New York State Partnership for Long-Term Care lets qualified policyholders protect assets from Medicaid spend-down equal to benefits paid.

3. Medicare is generally available to individuals who are:

Age 65 or older, or who qualify by disability or ESRD

Medicare covers those 65 and older and certain younger people with qualifying disabilities, ESRD, or ALS.

4. Medicare Part A primarily covers:

Inpatient hospital, skilled nursing facility, hospice, and some home health care

Part A (hospital insurance) covers inpatient hospital stays, skilled nursing, hospice, and limited home health care.