Medicare Supplement Plans in New Jersey

Medicare Supplement plans in Pennsylvania offer seniors insurance to cover medical expenses not originally covered by Medicare. You will have some out-of-pocket costs with Original Medicare which is where a Medigap plan can be beneficial.

There are ten available Medicare Supplement plans for residents of Pennsylvania with different levels of coverage and premiums. All offer the same essential benefits, but prices vary depending on the provider. The most popular plans are as follows:

Medicare Supplement Plan options in New Jersey:

Medicare Supplement Plan G

Another Supplement that you can consider for supplementing the federal Medicare program is Medigap Plan G in New Jersey. It’s great for supplementing your Medicare benefits and reducing your out of pocket costs. Its coverage is almost identical to the coverage of Plan F, but it’s cheaper.

  • Does NOT cover Medicare Part B deductible

Medicare Supplement Plan N

Some people want a Supplement with low monthly premiums and don’t mind not having as much benefits coverage. Medigap Plan N in New Jersey is a great choice if this is what you’re interested in.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Which is better, Plan G or Plan N?

While Plan G covers Part B coinsurance completely, Plan N requires copayments for doctor and emergency room visits. Plan G offers more comprehensive Medicare coverage but is a bit more expensive. Both plans require beneficiaries to pay for a Medicare Part D plan separately.

Medicare Supplement High Deductible Plan G

  • High Deductible Plan G has the Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible 

Medicare Supplement Plan F

You can’t start talking about Medicare Supplement coverage without talking about Medigap Plan F in New Jersey. After all, it’s the most popular of the plan options both in New Jersey and throughout the rest of the United States.

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare Part A are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Top rated Medicare Supplement Insurance Companies in New Jersey

There are more than 20 private insurance companies authorized to sell Medigap plans in New Jersey. It’s important to consider financial health, competitive pricing, and quality of customer service when selecting an insurer for your Medigap insurance. The following companies are our top picks for New Jersey beneficiaries.

How Much Does Medicare Supplement Insurance Cost in New Jersey?

Medicare Supplement Plans in Maryland cost an average of $129.00 per month, but rates can vary depending on the Insurer. 2023 New Jersey premiums vary by zip code.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When can I apply for a Medicare Supplement Plan in New Jersey?

You can apply for a Medicare Supplement insurance plan in New Jersey at any time as long as you’re enrolled in Medicare Part A and Medicare Part B. If you apply during your Medigap Open Enrollment Period within the first six months of Part B enrollment, you will enjoy some money-saving guaranteed issue rights:

  • The Medicare insurance company is required to accept your application. No risk of denial.
  • You will receive the same rates as other Medicare beneficiaries regardless of pre-existing conditions or your current health condition. No medical underwriting.
  • The insurance company cannot cancel your policy in the future as long as you continue to pay your monthly premiums.

You should apply for a Medicare Part D plan at the same time you apply for your Medigap plan. If you miss your initial open enrollment period, you may later qualify for a special guaranteed enrollment period.

State Health Insurance Assistance Program (SHIP)

County Office on Aging

New Jersey Department of Insurance

CMS: Centers for Medicare and Medicaid Services

Medicare.gov

Ready to learn more?

We specialize in educating consumers on their options and guiding them through the process of plan selection. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.