Medicare Plans in New Jersey

Medicare, the United States federal medical insurance program, provides coverage for nearly 1.7 million people in New Jersey who qualify for Medicare. You can get Medicare if you’re 65 or older or have a qualifying disability.

Your disability typically qualifies if you’ve received at least 24 Social Security or Railroad Retirement Board (RRB) disability insurance payments. You can also enroll in Medicare Advantage Plans if you have End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS).

Most people have premium-free Part A but, if you have to buy it, the cost can reach up to $506per month in 2023. Part B costs $164.90 per month but can be more if you have higher income. There are 92 Medicare Advantage Plans in the state that are an alternative to Original Medicare. Learn more about your Medicare options in New Jersey.

Medicare Plans in New Jersey

Medicare Plan Options in New Jersey

Residents of New Jersey have multiple Medicare plans to choose from. Many are tiered to help New Jerseyns find the plan that is best suited to your lifestyle and medical needs. For example, seniors and individuals with disabilities who don’t need much coverage can apply for Original Medicare. New Jersey’s Medicare Advantage program might be a better option if you need more comprehensive insurance. Some Medicare policies offer additional prescription drug add-ons or supplementary coverage.

• Original Medicare is a good choice if you want flexibility in choosing and accessing providers that accept Medicare anywhere in the U.S.
• There is no cap on what you could spend for out-of-pocket expenses, and you must purchase drug coverage separately, so it’s a better choice for you if you don’t need much in the way of health care or prescription drugs.
• If you don’t purchase a Medigap policy to supplement Original Medicare when you are first eligible, you may not be able to purchase one or may have to pay higher premiums, depending on your health status.

• Medicare Advantage is a good choice if you want to have all of your health care and drug benefits bundled together in one plan and if you don’t mind being restricted in your choice of providers to save on costs.
• There is a cap on what you can spend for out-of-pocket Medicare-covered expenses.
• You also have access to services that Medicare doesn’t cover, like routine dental and vision exams.

• Part D is a good choice if you have Original Medicare, or if you have a Medicare Advantage Plan ― not a health maintenance organization (HMO) or preferred provider organization (PPO) ― that doesn’t have prescription drug coverage.
• You pay a penalty if you wait to enroll in a Part D plan, unless you have creditable coverage from an employer-sponsored group plan.
• If you don’t require medications now, you can enroll in a low-premium Part D plan to avoid late enrollment penalties later.

• Medigap is a good choice if you have Original Medicare and want help paying for out-of-pocket expenses you incur when you access your Part A and Part B benefits.
• You pay a monthly premium, and most copays and coinsurance costs are covered.
• If you have significant health care needs, want the freedom to see any Medicare provider without network restrictions, a Medigap plan offers predictable coverage and costs for Medicare-covered care.
• Medigap doesn’t cover prescription drugs or other benefits like dental and vision.

Medicare in New Jersey by the Numbers

Part B: $164.90 per month**

*Most people pay no premium, but this can vary depending on how long they paid Medicare taxes.
**This is the average number, but it can vary based on income.

Medicare Resources in New Jersey

Getting support can help when you’re making Medicare decisions. New Jersey has numerous locations where enrollees can receive help through the State Health Insurance Program (SHIP). New Jersey SHIP has counselors throughout the state that work with local nonprofits and public health agencies, as well as Area Agencies on Aging (AAAs), to provide seniors with Medicare information.

New Jersey Medicare Information and Referral Service

The New Jersey Medicare Information and Referral Service provides seniors with free and unbiased counseling on Medicare and other insurance issues that cannot be addressed through SHIP. It also administers the Aging & Disability Resource Connection (ADRC) hotline, which connects seniors to their county office on aging to learn about and apply for senior services.

Contact information: Website | 1-800-792-8820

New Jersey Department of Health

The New Jersey Department of Health works to strengthen the state’s health system with the help of its five branches. Health Systems, Integrated Health, Office of Population Health, Office of Policy and Strategic Planning and Public Health Services. The Department of Health provides health care financing and licenses and evaluates state health care facilities The Health Care Quality Assessment office also provides reports to help seniors make more informed health care decisions.

Contact information: Website | (609) 292-7838

Area Agencies on Aging

There are 21 designated Area Agencies on Aging (AAA) in New Jersey, one in each of the state’s counties. These Agencies are responsible for developing community-based systems of services for older adults. They also act as lead agencies for the Aging & Disability Resrouce Connection (ADRC) in their area. The AAAs provide serve as advocates for the aging population and advise local governments and the Division of Aging Services on the unmet needs of the state’s seniors.

Contact information: Website | 877-222-3737

New Jersey Division on Aging

The New Jersey Division on Aging provides assistance to the 21 county areas on aging to help them develope care services for residents age 60 and over, including Medicare counseling. Available services include Mediare information and assistance, case management, homemaker, hospice, legal assistance, education, caregiver support, outreach, respite, telephone reassurance, transportation, visiting nurses and adult day care.

Contact information: Website | 1-800-792-8820

Learn More from Our Sources

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor ® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA ® , Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor ® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA ® , Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

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