Best Medicare Advantage Plans in New Jersey

There are several companies selling Medicare Advantage plans in New Jersey. See which plans come out on top.
Mar 17, 2022

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More than 1.6 million people in New Jersey are signed up for Medicare, placing it in the top half of U.S. states for Medicare beneficiaries

.

Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.

What to know about Medicare in New Jersey

About 1 in 6 people in New Jersey are 65 and older, and the state offers a variety of Medicare and Medicare Advantage plans

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  • The average monthly premium in 2022 for a Medicare Advantage plan in New Jersey is $17.41. (It was $20.36 in 2021.)

  • There are 84 Medicare Advantage plans available in New Jersey in 2022. (This number is unchanged from 2021.)

  • All Medicare-eligible people in New Jersey have access to a $0-premium Medicare Advantage plan.

Medicare Advantage providers in New Jersey

Top-rated Medicare Advantage plans in New Jersey

Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are providers with at least one plan that received top marks in New Jersey for the 2022 plan year

. (Get more information about Medicare star ratings.)

5-star plan providers

The provider below offers plans in New Jersey that are rated 5 stars out of 5 by the CMS:

  • UnitedHealthcare.

4.5-star plan providers

The providers below offer plans in New Jersey that are rated 4.5 stars out of 5 by the CMS:

  • Aetna.

  • Humana.

Medicare resources in New Jersey

How to choose a Medicare Advantage plan

It’s crucial to ask a few questions as you’re shopping for the right plan. Here’s a quick checklist to help you consider your options:

  • How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any additional perks, such as fitness memberships, transportation benefits or meal delivery?

You can use Medicare’s plan finding tool to compare plans in your area.

Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Looking for more insurance in New Jersey? Check out these resources:

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