New Jersey Medicare beneficiaries have strong options during the 2027 Annual Enrollment Period. With major carriers competing for NJ enrollees, many areas have access to $0 premium Medicare Advantage plans with robust extra benefits. Here’s what to know.
Medicare in New Jersey: What’s Available
NJ residents can choose from several Medicare coverage types:
- Medicare Advantage (Part C) — Bundled coverage from private insurers, often with $0 premium and dental/vision/hearing included
- Medicare Supplement (Medigap) — Fills gaps in Original Medicare; standardized plans (Plan G, Plan N most popular)
- Part D Prescription Drug Plans — Standalone drug coverage for those on Original Medicare
Major Carriers in New Jersey
Common Medicare Advantage carriers serving NJ counties include Aetna, Humana, UnitedHealthcare, Horizon BCBS of NJ, WellCare, and Cigna. Availability varies by county, so always verify what’s in your zip code.
NJ-Specific Medicare Considerations
- NJ has strong Medigap protections — New Jersey is one of the few states that requires guaranteed issue Medigap at certain times, giving beneficiaries more flexibility
- PAAD and Senior Gold — NJ state programs that help low-income seniors with Medicare costs; check eligibility if your income is limited
- Part B giveback plans — Some MA plans in NJ credit back a portion of your Part B premium to your Social Security check
How to Compare NJ Medicare Plans
- Know your prescriptions — drug formularies vary significantly between plans
- Verify your doctors are in-network before switching
- Compare out-of-pocket maximums, not just premiums
- Check dental and vision benefit details — “up to $2,000 dental” often has restrictions
- Work with a licensed NJ Medicare broker who can access all carriers
Ready to Review Your New Jersey Medicare Plans?
Complete your Scope of Appointment online and I’ll personally reach out to walk you through every option — no pressure, no obligation.
Submit Your SOA & Get a Free Review →
Paul Z. Olah · Licensed Medicare Broker · NPN 20795999 · 856-880-6340
AEP Deadline for NJ Residents
The deadline is December 7, 2026. Coverage begins January 1, 2027. Don’t wait — plan availability can change and getting a thorough comparison takes time.
Explore more on our coverage options page or book a free consultation today.