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More than 1.7 million people in New Jersey are signed up for Medicare, placing it in the top 20 U.S. states for Medicare beneficiaries.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private companies. It 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.
Compare Medicare Advantage plans in New Jersey
What to know about Medicare in New Jersey
About 1 in 6 people in New Jersey are 65 and older, and there are a variety of Medicare and Medicare Advantage plans in the state.
The average monthly premium in 2024 for a Medicare Advantage plan in New Jersey is $19.22. (It was $15.64 in 2023.)
There are 96 Medicare Advantage plans available in New Jersey in 2024. (This is up from 92 in 2023.)
All Medicare-eligible people in New Jersey have access to a $0-premium Medicare Advantage plan.
Medicare Advantage companies in New Jersey
The following providers offer Medicare Advantage plans in New Jersey:
Amerigroup (called Wellpoint in 2024).
Jefferson Health Plans.
Top-rated Medicare Advantage plans in New Jersey
Each year, the Centers for Medicare & Medicaid Services (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 companies with at least one plan that received top marks in New Jersey for the 2024 plan year. (Get more information about Medicare star ratings.)
The company below offers plans in New Jersey that are rated 5 stars out of 5 by CMS:
The company below offers plans in New Jersey that are rated 4.5 stars out of 5 by CMS:
Medicare resources in New Jersey
State Health Insurance Assistance Program (SHIP): Provides free resources and counseling for Medicare beneficiaries in New Jersey, including information on benefits and claims.
New Jersey Division of Aging Services: Offers help paying your Medicare costs if you meet low-income requirements.
New Jersey County Offices on Aging: Lists contact information for agencies that offer services for aging adults.
New Jersey Department of Health: Provides information on assistance programs and other help available for health care in New Jersey.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What 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 medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to 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 extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Medicare Advantage companies
Get more information below about some of the major Medicare Advantage companies. These insurance companies offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Looking for more insurance in New Jersey? Check out these resources: