Providing Fulton County Medicare Solutions
Located in the Mohawk Valley and serving as a gateway to the Adirondack Mountains, Fulton County, New York, is a region defined by its industrial heritage and scenic landscape.
A Glimpse into Fulton County’s History
Fulton County was officially formed on April 18, 1838, when it was partitioned from Montgomery County. It was named in honor of Robert Fulton, the engineer celebrated for developing the first commercially successful steamboat.
The county’s history is deeply intertwined with two major themes: colonial influence and the leather industry.
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Colonial Beginnings: In the mid-18th century, Sir William Johnson, the British Superintendent of Indian Affairs, founded Johnstown (the county seat). His manor, Johnson Hall, remains a significant historic site. The area also boasts the Fulton County Courthouse, built in 1772, which is the oldest operating courthouse in the state.
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The “Glove Cities”: For over a century, the cities of Gloversville and Johnstown were known as the “Glove Capital of the World.” At its peak in the early 20th century, nearly 60% of all gloves manufactured in the United States were produced here. While the industry declined in the mid-1900s due to overseas competition, the “Glove City” moniker remains a proud part of the local identity.
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Social Reform: The county was the birthplace of Elizabeth Cady Stanton, a leading figure in the women’s rights movement, whose father, Judge Daniel Cady, was instrumental in the county’s formation.
Medicare in Fulton County
With approximately 21% of its population aged 65 or older, Medicare plays a vital role in the health and financial security of Fulton County residents. For 2026, beneficiaries in the area have access to a variety of options tailored to the rural and semi-urban nature of the region.
Coverage Options
Residents can choose between Original Medicare (Part A and Part B) or Medicare Advantage (Part C).
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Medicare Advantage: There are over 30 plans available in the county for 2026. Many of these are “Zero Premium” plans, meaning you pay $0 in additional monthly premiums beyond your standard Part B cost.
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Plan Types: The most common formats in the area are HMOs (Health Maintenance Organizations), which typically require using local networks like those associated with Nathan Littauer Hospital, and PPOs (Preferred Provider Organizations), which offer more flexibility to see specialists in nearby Albany or Schenectady.
Local Healthcare Access
Most Medicare beneficiaries in the county receive care through the Nathan Littauer Hospital system in Gloversville. Because this is the primary medical hub for the county, many Medicare Advantage plans are designed specifically to include Littauer’s network of primary care centers and specialists.
Help for “Dual-Eligibles”
Given that the median household income in Fulton County is lower than the state average, many residents qualify for both Medicare and Medicaid (known as “Dual-Eligible”).
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Integrated Care Plans: New York offers specialized plans for these individuals that coordinate both sets of benefits, often covering additional costs like transportation to medical appointments, dental care, and over-the-counter health supplies.