Medicare Part B Giveback Plans in Suffolk County, NY: What’s Actually Available in 2026

By Paul Barrett, CMIP — Founder, The Modern Medicare Agency Licensed in 37 states · Serving Suffolk County & all of Long Island · Last updated July 24, 2026

Key Takeaways

• Five Medicare Advantage plans in Suffolk County offer a genuine Part B giveback for 2026. We pulled the actual 2026 Summary of Benefits directly for two of them and confirmed real numbers — not estimates. The other three still need direct confirmation before we’d publish a specific dollar figure for them.
• No plan we’ve confirmed in Suffolk County gives back the full $202.90 Part B premium. Aetna Eagle Giveback credits $75/month; Humana Direct Choice Giveback credits $42/month. Both are partial credits, not full premium coverage — and that’s consistent with how these plans are generally structured nationally.
• The giveback amount can change from year to year, sometimes significantly, as carriers adjust their bids to CMS. A plan’s credit this year isn’t guaranteed to stay the same next year — or to keep offering a giveback at all.
• The giveback amount is not really “by zip code.” What actually changes by location is which plans you’re even eligible to enroll in — the credit itself is generally the same for everyone on a given plan, not something that shifts street by street the way some ads imply.
• New York was late to this game. Giveback plans have been common in much of the rest of the country for years — nationally, only about 1,369 of the roughly 5,600 Medicare Advantage plans (about 24%) offer a Part B giveback for 2026 at all, and New York’s market has historically had fewer of these than states like Florida or Texas. That’s changed in recent years, but it’s not a long-standing New York staple the way it is elsewhere.
• These plans are not for everyone. For the right person, a giveback plan can be a genuinely appealing option — but the credit is one factor among several, not a reason on its own to enroll.