Seniors & Aging · Surprise rank #186
NY Seniors Can Earn Up to $100K as a Couple and Still Get Prescription Discounts
EPIC acts as a secondary wraparound to Medicare Part D, capping your copays at $3–$20 and even paying your Part D premiums if you qualify.
Who
New York residents age 65+ within EPIC income limits who have or can enroll in Medicare Part D and are not receiving full Medicaid.
What to do
Start here: Apply through EPIC or call 1-800-332-3742.
Eligibility: Age, NY residency, income, Part D enrollment and Medicaid status rules apply.
What you get
EPIC works behind Medicare Part D to reduce eligible prescription costs and may pay the Part D premium for lower-income members.
Benefit: Secondary drug coverage, generally $3–$20 EPIC copays after program rules, and a Part D special enrollment period.
Possible value: From modest savings to several thousand dollars a year, depending on prescriptions and EPIC tier.
Good to know
Important: Higher-income members may have an EPIC deductible; EPIC does not replace Part D.
Availability: Year-round.
Why people miss it: People think Medicare Part D is the final layer and do not realize New York offers a wraparound program.
Sources reviewed: Aug 2, 2026