New Jersey Medicare Advantage Plans

Quick links:

• Average 2023 Costs
• Eligibility & Enrollment
• Finding Top-Rated Plans
• List of Plans Available
  • Plans by Carrier
  • Plans by County
  • Plans by Type
• Local Resources

Are there Medicare Advantage plans in New Jersey?

Yes, there are 723 different New Jersey Medicare Advantage plans in 2023.¹ Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of New Jersey. Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in New Jersey

The average premium for a 2023 New Jersey Medicare Advantage plan with prescription drug coverage is $20.75 per month. The average medical deductible for New Jersey plans in 2023 is $111.64 per year.¹

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have. A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

New Jersey Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in New Jersey, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

• You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.
  
  
• You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.
  
  
• You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

• You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.
  
  
• You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).
  
  
• You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

It’s important to note that if you have ESRD, you may be able to enroll in a New Jersey Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in New Jersey

The first time you may be able to enroll in a New Jersey Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Your Medicare IEP starts three months before your 65^th birthday. It includes the month of your 65^th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Fall Medicare Open Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During this Medicare fall open enrollment period, also called the Annual Enrollment Period or AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in New Jersey 2023

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plans using a system of one to five stars.

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

37.4% of 2023 Medicare Advantage plans in New Jersey that include prescription drug benefits are rated four stars or higher.²

Medicare Advantage plans are rated in the following five categories:

• Preventive care and health maintenance (screenings, tests, vaccines, etc.)
• Management of chronic conditions
• Member experiences and ratings of the plan
• Member complaints, problems receiving services and member retention
• Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in New Jersey in 2023

To view a list of plans offered in your area within New Jersey, use our plan comparison tool.

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in New Jersey

Multiple insurance carriers may offer Medicare Advantage plans in New Jersey, depending on where you live.

Aetna PPO Medicare offers Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

When you’re shopping for Medicare Advantage plans in New Jersey, you can compare plans from several different carriers by using some of the following information:

• The Medicare Star Ratings can give you an idea of a plan’s overall quality.
  
  
• Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.
  
  
• Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.
  
  
• You can read through Medicare Advantage plan reviews and testimonials from customers.

New Jersey Medicare Advantage plans by county

Learn more about 2023 Medicare Advantage plans in New Jersey by county.

• Atlantic County Medicare Advantage Plans
• Bergen County Medicare Advantage Plans
• Burlington County Medicare Advantage Plans
• Camden County Medicare Advantage Plans
• Cape May County Medicare Advantage Plans
• Cumberland County Medicare Advantage Plans
• Essex County Medicare Advantage Plans
• Gloucester County Medicare Advantage Plans
• Hudson County Medicare Advantage Plans
• Hunterdon County Medicare Advantage Plans
• Mercer County Medicare Advantage Plans
• Middlesex County Medicare Advantage Plans
• Monmouth County Medicare Advantage Plans
• Morris County Medicare Advantage Plans
• Ocean County Medicare Advantage Plans
• Passaic County Medicare Advantage Plans
• Salem County Medicare Advantage Plans
• Somerset County Medicare Advantage Plans
• Sussex County Medicare Advantage Plans
• Union County Medicare Advantage Plans
• Warren County Medicare Advantage Plans

Or call 1-800-557-6059 1-800-557-6059 TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

NJ Medicare Advantage enrollees by plan type

The major types of Medicare Advantage plans include:

• HMO
  A Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.
  
  
• PPO
  Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.
  
  Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.
  
  PPO plans typically do not require patients to acquire a referral before visiting with a specialist.
  
  
• PFFS
  A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.
  
  With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.
  
  
• SNP
  A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.
  
  Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2023 New Jersey Medicare Advantage plans that are available where you live.

How to choose a Medicare Advantage Plan in New Jersey

Picking a Medicare Advantage plan can be a confusing endeavor, but you should really focus on the following factors to help find the best Medicare Advantage Plan in NJ for you and your needs:

• Monthly Premium: Your monthly premium is addition to your Part B monthly premium, so it's very important to keep an eye on. You'll be paying this every month, no matter if you're actually using your benefits or not. 
• Provider Network: It's important to know if your usual doctors, pharmacies and hospitals are available in-network because these will be much cheaper than out-of-network options.
• Deductibles and Copays: It's important to know how much you're paying when you're accessing your benefits such as visiting a doctor or getting your prescription filled.
• Out-Of-Pocket Maximum: Your out-of-pocket maximum is the maximum you'll spend, not including your premium, deductible and drug costs, for any services that are covered by Medicare.
• Additional Benefits: The benefit of Medicare Advantage plans is they offer additional benefits and coverage compared to traditional Medicare, so make sure you know the specifics regarding what is covered and what isn't with your individual plan.

Local health insurance resources in New Jersey

• New Jersey’s State Health Improvement Plan offers free assistance to the state’s Medicare beneficiaries who have questions about their insurance.
  
  Counseling is free of charge and administered by a group of trained volunteers. The program may be reached at 800-792-8820.
  
  
• You can also explore more information about the insurance industry in New Jersey by visiting the state’s Department of Insurance website.
  
  
• New Jersey Prescription Drug Assistance Programs
  The state of New Jersey has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

¹ MedicareAdvantage.com's The Best States for Medicare report.

² Medicare evaluates plans based on a 5-star rating system.