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Medicare Supplement Insurance Plans in New Jersey


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Learn about Medicare Supplement insurance 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 insurance 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 age 65 and enrolled in Medicare Part B. During the OEP, Medicare beneficiaries may enroll in any Medigap plan of their choice sold in their state without the need to submit their medical background or history, and without fear of being denied complete coverage, or having higher rates based on medical history. 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*.

Compare Medicare Supplement insurance plans in New Jersey

All Medigap plans of the same letter do not vary in coverage from insurer to insurer (within each letter category). They are all consistently the same. However, each private insurer can choose what premium to charge for their Medicare Supplement insurance 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 on this page and we will display a customized list of plans and carriers available to you.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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