In New Jersey, affectionately known as the Garden State, there are just about 1,118,000 residents who enjoy the benefits of Original Medicare. Of that stated number, some New Jerseyans are enrolled in all aspects of Medicare while the remainder has just some aspect of this coverage.

In conjunction with Original Medicare, many New Jersey residents seek out some part of the multitude of supplemental plans offered in the state. We can give you a comprehensive breakdown of these plans, and let you know more about Medicare in general.

Looking at the Figures of Medicare in New Jersey

  • A bit more than 1,133,000 New Jersey Residents have Part A or Part B of Original Medicare.
  • Of the above number, 998,000 citizens aged into the program. An additional 135,000 people from the state got in because of disability.
  • About 1,193,000 people are a part of a Medicare Part D drug prescription program.

Medicare Costs in New Jersey for 2022

To really figure out the costs that you’ll expect to incur, it’s a good exercise to see what each part of Original Medicare is and what exactly it covers.

Original Medicare refers to Part A and Part B. Here’s a quick breakdown of each:

  1. Part A covers all of your inpatient care. This is your hospital visits and other care where you’d stay in a medical facility overnight. Here, we’re talking about emergency room visits mostly.
  2. Part B is the other side of the spectrum. Known as outpatient care, this arm of Medicare makes sure your doctor visits, yearly checkups, medical supplies, and even flu shots.

What both parts of Original Medicare have in common are their eligibility requirements. There are some criteria to meet in order to receive benefits:

  • Be 65 years or older — or be the spouse of someone who is.
  • Have a work history of 10 years (or 40 work credit quarters)
  • Be a citizen of the United States
  • Have a specific disability, and have drawn disability income for at least 24 months

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

In New Jersey, roughly 949,000 residents are enrolled in both Parts A and B of Medicare. Approximately 835,000 of those aged into the program; the rest — 114,000 — entered due to disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Viewing Supplemental Medicare Plans in New Jersey

We’ve gone over Original Medicare benefits for Americans, but what is available as supplementary health care for New Jerseyans? These Supplemental Medicare plans are also known as Medigap and can often be the difference between being fully covered or incurring big-time costs for aspects not under the umbrella of Parts A & B.

Before delving into the various supplemental plans available to those in New Jersey, it’s important to know that the price of them will be different based on where you live in the state. So whether you live in North or South Jersey, you’ll be paying a unique price for your exact location.

Looking at these supplemental plans can be daunting but it’s just a matter of figuring out your individual needs and going from there. First off, any of these supplementary plans are known as Medigap because they close the gap between Original Medicare and what Parts A & B do not cover.

So in this, we’re looking at Part C (Medicare Advantage) and Part D. Right now, let’s look at a quick breakdown of each:

Part C (Medicare Advantage) — This replaces Parts A & B of Original Medicare. It is provided by private companies for a premium but the good thing is these companies have to work within the government’s parameters for coverage. These are good for those who want more choice over what medical professionals they see, who want “all-in-one” coverage, and also those on a limited income.

Part D — This is your prescription drug plan, which doesn’t come with Original Medicare. Again, private providers offer this at an additional cost but the long-term savings with the price of some medications can be great. This is not a government-operated program, so prices vary based on your area and what coverage you ultimately elect for.

Medicare Resources for Residents of New Jersey

If you are a New Jersey resident looking for information on Medicare, the first place to go is to the website of the state’s Division of Aging Services. This is where you can look into their SHIP program, which has resources about not only Medicare but help those struggling to afford any premiums for Original Medicare and prescription drugs.

Another page on the same website also extends assistance for those who require Medicaid. So the Garden State has your back on both of these programs. However, if you still find yourself needing supplemental healthcare plans, we are the ones who can get you going with that!

Cities in New Jersey with Estimated Premiums for Medicare Supplement Coverage

Below are charts for the estimated premiums for Medigap coverage for the following cities:

FAQs

Who qualifies for Medicare in NJ?

Thankfully, this is extremely straightforward. All Americans, regardless of where they reside, have the same requirements for Medicare eligibility. You have to be 65 years old, a U.S. citizen and have a minimum 10-year work history. You can also be the spouse of someone who meets this criterion.

What is New Jersey Medicare called?

Whether it’s in New Jersey or anywhere else, Medicare is known as Medicare. There’s no extra or special name it’s known as.

What is the best Medicare plan in NJ?

Original Medicare — Parts A and B — are completely standard, so it’s the same for everyone. Only when you branch out into supplementary coverage or replace Original Medicare with Medicare Advantage (Part C) will you see any difference. In that case, the best coverage is the most comprehensive one you can get that fits into your budget.

How to Sign Up for Supplemental Medicare in New Jersey

Hopefully, all this information has made it easier for you to have at least a basic idea of what you might need. However, it’s great for you to know that we’re here to help.

Our licensed agents — who provide service at no cost to you — can link you with Supplemental Medicare coverage that truly fits your needs and takes the worry out of the process.

All you have to do is give us a call today or fill out our easy and convenient online rate form, and we’ll have personalized price quotes right to you.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.