Explore Medicare Supplement Insurance in New Jersey: Comprehensive Guide for 2025
Discover how Medigap plans in New Jersey can significantly reduce your out-of-pocket expenses related to Original Medicare. Learn about the 12 available plans, their benefits, and costs to make an informed decision.
Medicare Supplement Insurance, commonly known as Medigap, provides essential coverage that helps pay for expenses not fully covered by Original Medicare (Parts A and B). These plans are designed to ease the financial burden by covering deductibles, copayments, and coinsurance.
While Medigap plans maintain a standardized structure nationwide, availability varies by state. New Jersey offers a diverse selection tailored to meet the needs of its Medicare beneficiaries.
Medigap Plans Available in New Jersey for 2025
In 2025, over 1.7 million residents in New Jersey are enrolled in Medicare, with access to 12 distinct Medigap plans, each identified by a letter. These plans provide varying levels of coverage to complement Original Medicare, helping with hospital and medical costs, and often including additional benefits.
It's important to remember that regardless of the Medigap plan chosen, the monthly Part B premium remains payable, set at $185 in 2025.
Below is a detailed comparison of New Jersey's Medigap plans, including estimated costs and coverage specifics. Prices are subject to change based on the insurer.
| Plan | Estimated Monthly Cost | Coverage Highlights | Exclusions |
|---|---|---|---|
| Plan A | $127 - $804 | • Covers Part A coinsurance and hospital costs up to 365 days post Medicare benefits usage • Hospice care coinsurance/copayment • Part B coinsurance/copayment • First three pints of blood | • Skilled nursing facility coinsurance • Part A and B deductibles • Part B excess charges • Foreign travel emergency coverage |
| Plan B | $179 - $709 | • Includes all Plan A benefits plus Part A deductible | • Skilled nursing facility coinsurance • Part B deductible • Part B excess charges • Foreign travel emergency |
| Plan D | $140 - $916 | • Covers Part A and B coinsurance/copayments • Part A deductible • Skilled nursing facility coinsurance • First three pints of blood • 80% foreign travel emergency coverage | • Part B deductible • Part B excess charges |
| Plan G | $139 - $883 | • Extensive coverage including Part A and B coinsurance/copayments • Part A deductible • Skilled nursing facility coinsurance • Part B excess charges • First three pints of blood • 80% foreign travel emergency coverage | • Part B deductible |
| Plan G (High Deductible) | $47 - $272 | • Same benefits as Plan G with a high deductible option | • Part B deductible |
| Plan K | $58 - $405 | • Partial coverage (50%) for Part A hospice coinsurance, skilled nursing facility coinsurance, Part B coinsurance/copayment, and first three pints of blood • Out-of-pocket limit of $7,220 in 2025 | • Part B deductible • Part B excess charges • Foreign travel emergency |
| Plan L | $102 - $555 | • Partial coverage (75%) for Part A hospice coinsurance, skilled nursing facility coinsurance, Part B coinsurance/copayment, and first three pints of blood • Out-of-pocket limit of $3,610 in 2025 | • Part B deductible • Part B excess charges • Foreign travel emergency |
| Plan M | $99 - $374 | • Covers Part A coinsurance and hospital costs • 50% of Part A deductible • Skilled nursing facility coinsurance • Part B coinsurance/copayment • First three pints of blood • 80% foreign travel emergency coverage | • Part B deductible • Part B excess charges |
| Plan N | $100 - $666 | • Comprehensive coverage including Part A and B coinsurance/copayments • Part A deductible • Skilled nursing facility coinsurance • First three pints of blood • 80% foreign travel emergency coverage | • Part B deductible • Part B excess charges |
Note: Plans C, F, and F (High Deductible) are only available to individuals who were 65 before January 1, 2020, or under 65 with Part A starting before that date.
| Plan | Estimated Monthly Cost | Coverage Highlights | Exclusions |
|---|---|---|---|
| Plan C | $173 - $1,010 | • Comprehensive coverage including Part A and B deductibles and coinsurance • Skilled nursing facility coinsurance • First three pints of blood • 80% foreign travel emergency coverage | • Part B excess charges |
| Plan F | $174 - $932 | • Most comprehensive coverage including Part A and B deductibles, coinsurance, and excess charges • Skilled nursing facility coinsurance • First three pints of blood • 80% foreign travel emergency coverage | • None |
| Plan F (High Deductible) | $51 - $280 | • Same coverage as Plan F with a high deductible option | • None |
Top Medigap Providers in New Jersey
New Jersey residents can choose from a variety of reputable insurance companies offering Medigap plans, including:
- Horizon Blue Cross Blue Shield
- AARP United Healthcare
- Transamerica Life
- Humana
- Mutual of Omaha
- Royal Arcanum
- Cigna
- LifeShield National Insurance
- Allstate Health Solutions
- Manhattan Life Assurance
- Wellcare (Centene)
- AFLAC
- Medico Insurance
Choosing the right Medigap plan can provide peace of mind by reducing unexpected medical expenses. Be sure to compare plans carefully based on coverage, costs, and your healthcare needs.
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