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Medicare Supplement Plans in New Jersey

Learn about Medicare Supplement plans in New Jersey

Medicare beneficiaries in New Jersey may find that Original Medicare (Part A and Part B) does not cover some of their healthcare costs such as deductibles, copayments, coinsurance, or other out-of-pocket expenses that they wish were covered. But Medicare beneficiaries have the option to enroll in a Medicare Supplement plan in New Jersey, also known as Medigap, to help cover these out-of-pocket costs. In most states, including New Jersey, there are ten standardized Medigap plans available to eligible beneficiaries.

If you are interested in signing up for a Medicare Supplement plan in New Jersey, the best time to do so is during your Medigap Open Enrollment Period (OEP). The OEP is a six-month period beginning on the first day of the month that you are both over the age of 65 and enrolled in Medicare Part B. During the OEP a Medicare beneficiary may enroll in any Medigap plan of their choice without the need to submit their medical background or history, and without fear of being denied coverage, restricted coverage, or having higher rates. However, once the OEP has expired, a Medicare beneficiary may still enroll in a Medigap plan, but may be subject to medical underwriting, and could face higher out-of-pocket costs or even denial of coverage based on any pre-existing conditions.

Medicare Supplement plan statistics in New Jersey

  • In 2013, 18 companies offered a Medigap plan in New Jersey.
  • All 10 plan types were offered in the state, although every plan was not available through every company.
  • Some companies in New Jersey also offered a high-deductible plan with lower monthly premiums.
  • Monthly premiums varied widely on Medigap plans, ranging from around $85 to $226, depending on the company and the plan type.
  • There were 1,378,274 Medicare beneficiaries living in New Jersey in 2012.

Compare Medicare Supplement plans in New Jersey

All Medigap plans of the same letter do not vary in coverage from insurer to insurer. They are all consistently the same. However, each private insurer can choose what premium to charge for their Medicare Supplement plans in New Jersey. You should determine what Medigap plans are available to you in your area, and make your decision based on your health and financial needs.

You can get started on your Medicare Supplement enrollment in New Jersey today by performing a plan search available to you on this website. Simply enter your zip code at the top of this page and we will display a customized list of plans and carriers available to you.

Data provided by the New Jersey Department of Human Services, Division of Aging Services and the Henry J. Kaiser Family Foundation.

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