In New Jersey, affectionately known as the Garden State, just about 1,118,000 residents 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 portion 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.

Looking at the Figures for Medicare in New Jersey

  • 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 2024

To figure out the costs you’ll expect to incur, and it’s a good exercise to see each part of Original Medicare and what 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 part of Medicare is for 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. Medicare Part B is known as outpatient care. This arm of Medicare covers 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 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 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

In New Jersey, roughly 949,000 residents enrolled in 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 reviewed 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. They 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 essential to know that their prices will differ based on where you live in the state. So whether you live in North or South Jersey, you’ll pay a specific price for your exact location.

Looking at these Medicare Supplement plans can be daunting, but it’s just a matter of figuring out your individual needs and going from there. First, any supplemental plans are known as Medigap because they close the gap between Original Medicare and what Parts A & B don’t 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) replaces Parts A & B of Original Medicare. Private companies provide it 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 significant. These programs aren’t government-operated, so prices vary based on your area and what coverage you ultimately elect.

Medicare Resources for Residents of New Jersey

If you’re a New Jersey resident looking for information on Medicare, the first place to go is to the state’s Division of Aging Services website. This office 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 extends assistance to those requiring Medicaid. The Garden State has your back on both of these programs. However, if you still find yourself needing supplemental healthcare plans, we’re 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:


Who qualifies for Medicare in NJ?

Thankfully, this is straightforward. Regardless of where they reside, all Americans have the same Medicare eligibility requirements. You must be 65 years old, a US 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 in New Jersey or anywhere else, Medicare is known as Medicare. There’s no extra or special name for it.

What is the best Medicare plan in NJ?

Original Medicare — Parts A and B — are completely standard, so it’s the same for everyone. You see no difference when you branch out into supplementary coverage or replace Original Medicare with Medicare Advantage (Part C). 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 excellent for you to know that we’re here to help.

Our licensed agents — who provide service at no cost — can link you with Supplemental Medicare coverage that genuinely 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.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.