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New Jersey Medicare Plans

New Jersey, like most states, has many options for Medicare coverage. From Original Medicare to Supplements and Advantage plans, it’s easy to find a combination of coverage that will fit your needs. 

New Jersey Medicare plans open enrollment

At 65 you are eligible to enroll in Medicare. Your open enrollment period will begin three months prior to your birthday and will continue for three months following your birthday. At this time it is also best to enroll in a Supplement as you cannot be declined coverage based on your existing health. 

While you can enroll in a Supplement at any time throughout the year, you will be required to complete a health survey and can be denied coverage based on your pre-existing conditions. 

Medigap Plans

The Medicare plans in New Jersey are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs. 

A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare. 

There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!

If you were enrolled in Medigap plans C or F before  2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.

Medicare Advantage Plans

There are 36 Advantage plans in New Jersey based on which county you live in. These are also Part C plans. These plans are private insurance plans that offer all the same benefits of Original Medicare and include additional benefits. These benefits include vision, dental and prescription drug coverage. New Jersey has a dedicated Part C open enrollment period that runs from January 1st and ends March 31st. At this time you may enroll, switch plans or switch to Original Medicare. 

Medicare Part D

The 26 Part D plans in New Jersey help to cover prescription drug costs. Original Medicare and Supplements do not provide coverage at the pharmacy. Many beneficiaries will choose to enroll in a Part D or Advantage plan to limit their out-of-pocket costs for prescription drugs. 


How we can help

Remember, all plans provide standardized coverage and the only difference is the cost. Our New Jersey licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process. 

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