2025 Medicare Plans in New Jersey: Coverage Options and Costs Starting at $0

Residents of New Jersey have access to a diverse range of Medicare plans, from the traditional Original Medicare to enhanced Medicare Advantage options. Understanding these plans and the enrollment process can help you make informed decisions about your healthcare coverage.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, though younger people with certain disabilities may also qualify. New Jersey offers multiple Medicare plans tailored to meet the needs of its residents.

Medicare Plan Choices in New Jersey

In New Jersey, you can select from Original Medicare, Medicare Advantage plans, or supplemental Medicare (Medigap) plans to complement your coverage.

Original Medicare

Original Medicare, administered by the federal government, includes Part A (hospital insurance) and Part B (medical insurance).

Part A covers:

• Hospital stays
• Skilled nursing facility care for a limited duration
• Home health services within certain limits
• Hospice care

Part B includes:

• Medical provider visits
• Preventive services
• Screening tests
• Diagnostic imaging
• Laboratory tests
• Some medical equipment

Medicare Advantage Plans in New Jersey

Medicare Advantage (Part C) plans are offered by private insurance companies that combine Part A, Part B, and often prescription drug coverage into one plan. These plans must provide at least the same coverage as Original Medicare.

Many Medicare Advantage plans in New Jersey provide additional benefits such as dental, vision, non-emergency transportation, and meal delivery services. These extras may require an additional premium.

A key advantage is the annual out-of-pocket maximum cap, after which the plan covers 100% of eligible costs for the remainder of the year—a feature not available in Original Medicare.

Leading Medicare Advantage providers in New Jersey include:

• Aetna Medicare
• AmeriHealth
• Braven Health
• Cigna Healthcare
• Clover Health
• Humana
• Jefferson Health Plans
• UnitedHealthcare
• Wellcare
• Wellpoint

Availability of plans varies by county, so it's essential to input your ZIP code when searching for Medicare Advantage plans.

Medicare Supplement (Medigap) Plans in New Jersey

Medigap plans help cover out-of-pocket costs like copayments, coinsurance, and deductibles not fully covered by Original Medicare. They are sold by private insurers across New Jersey.

Notable Medigap providers in the state include:

• Aetna
• Cigna
• Horizon Blue Cross Blue Shield of New Jersey
• Humana
• Royal Arcanum
• AARP – UnitedHealthcare

Helpful Medicare Resources in New Jersey

If you have questions or need assistance with Medicare, consider these resources:

• Division of Aging Services/SHIP: Free, impartial Medicare counseling for seniors. Call 800-792-8820.
• Aging & Disability Resource Connection: Support for older adults, individuals with disabilities, and caregivers. Call 877-222-3737.
• NJ Save: Online application platform for low-income seniors and disabled individuals who need help with Medicare premiums and drug costs.
• Medicare Helpline: Direct inquiries at 800-633-4227.

Medicare Enrollment Periods in New Jersey

You can enroll in Medicare during specific periods:

• Initial Enrollment Period: Begins 3 months before your 65th birthday month and ends 3 months after.
• Annual Open Enrollment: October 15 to December 7, allowing plan selection or changes.
• Medicare Advantage Open Enrollment: January 1 to March 31 for switching Medicare Advantage plans.

Special enrollment periods may be available due to life changes like losing employer coverage.

Automatic enrollment occurs for those receiving Social Security disability benefits for 24 months or for those turning 65 already on Social Security retirement benefits.

Choosing the Right Medicare Plan in New Jersey

All Medicare plans must provide the core benefits of Original Medicare, but costs and extra benefits vary. When selecting a plan, consider:

• Coverage details and services offered
• CMS star ratings reflecting quality and satisfaction
• Network of preferred doctors and hospitals

2025 Medicare Overview for New Jersey

• More than 1.75 million New Jersey residents are enrolled in Medicare.
• Average Medicare Advantage monthly premiums rose from $19.58 in 2024 to $25.09 in 2025.
• New Jersey offers 96 Medicare Advantage plans for 2025, up from 92 in 2024.
• Medicare Advantage plans with $0 premiums are available statewide.

Summary

With a vast selection of Medicare Advantage and Medigap plans, New Jersey residents have ample opportunities to customize their healthcare coverage. While premiums have increased slightly in 2025, numerous options remain affordable, including zero-premium plans. Utilizing state resources and carefully reviewing plan details will ensure you find the best Medicare coverage tailored to your needs.

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