In Elizabeth, New Jersey, 200,545 people have a Medicare Plan. Only 34% of those people are taking advantage of Medicare Advantage plans to help supplement their treatment costs. Let’s review some of the supplemental Medicare plans available in Elizabeth, New Jersey.

Medicare plans in Elizabeth, New Jersey

A Medicare Advantage plan helps to support your Original Medicare in New Jersey. Without this support, you may be liable for costs that Medicare won’t pay. We based the quotes below on a 65-year-old female.

Affordable Medicare Advantage plans in Elizabeth, New Jersey

With 68,194 people enrolled in a New Jersey Medicare Advantage plan, Elizabeth has many Medicare beneficiaries taking advantage of the perks Medicare and Medigap provide. In Bergen County, there are 39 plans available to any who needs them.

The Humana plan has the lowest maximum out-of-pocket (MOOP) cost of $4,500. It has a 4-star rating and is a Local PPO plan; the monthly premium for this plan is $0.

UnitedHealthcare also has a $0 premium and a 4-star rating. The MOOP of this plan is significantly higher at $6,900. The United Healthcare plan is an HMO plan.

Aetna is an HMO-POS plan with a 4-star rating. It has a $0 premium like the others. The MOOP of this plan is a bit higher, at $7,500, and it’s one of the top-rated plans in the country.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $6,900 HMO 4
Clover Health $0 $7,550 HMO 3
Aetna $0 $7,550 HMO-POS 4
Wellcare $0 $7,550 LOCAL PPO N/A
Humana $0 $4,500 LOCAL PPO 4

Average Medicare Supplement plans in Elizabeth, New Jersey

Medigap plans in New Jersey cover expenses that your Medicare may not cover. The rates of Medigap plans vary depending on the area, but the benefits stay the same no matter where you’re.

Plan G is the most popular plan, as it has the most benefits of any open plan. It has higher premiums, costing from $127.58 to $394.92. Plan G is the best alternative to Plan F if you don’t qualify anymore.

Plan HDG is an excellent alternative to Plan G because it provides all of the same benefits as Plan G. It has a much lower premium, ranging from $45.99 to $59.41. This plan has a very high deductible, which offsets the lower monthly premium.

Plan N is another excellent alternative to Plan G because it doesn’t have the high deductible of HDG but has lower premiums. Plan N costs from $98.42 to $303.19. With Plan N, you’re still responsible for extra Part B expenses.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $103.76 $272.56
PLAN B $139.28 $340.37
PLAN C $163.58 $493.31
PLAN D $126.30 $335.01
PLAN F $154.20 $405.62
PLAN HDF $45.99 $66.06
PLAN G $127.58 $394.92
PLAN HDG $45.99 $59.41
PLAN K $50.11 $130.37
PLAN L $80.56 $191.50
PLAN M $93.69 $185.31
PLAN N $98.42 $303.19

Cheapest Part D prescription drug plans

Part D plans in New Jersey cover the costs of prescriptions you need that your plan may not cover. Medigap plans don’t cover prescription drugs, and only some Medicare plans in Elizabeth, New Jersey, do, so a Part D plan is a cost-effective way to ensure you have the medications you need.

Aetna has the lowest premium in the area, sitting at $7. Medicare rated it with three stars, with the standard $480 deductible. Aetna is a solid choice for those who need a low-cost plan.

Wellcare has a slightly higher premium of $12.90. It also has a 3-star rating and a $480 deductible. Wellcare has a few different plans that you can choose from.

Humana has a much higher premium of $22.70, with the standard $480 deductible and a 4star rating. Humana is one of the highest-rated Part D plans in the nation.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.00 $480 3
Wellcare $12.90 $480 3
Clear Spring $18.70 $480 2
Humana $22.70 $480 4
Horizon BCBS $28.50 $400 3

Medicare Special Needs plans

Medicare Special Needs Plans are a specific subset of Medicare Advantage plans. They help to manage costs for those who have particular needs or disabilities. They aren’t available in all areas, but they are helpful for those who qualify for them.

Amerigroup is an HMO plan with a $0 premium. This plan has a maximum out-of-pocket cost (MOOP) of $6,700. This plan has dual eligibility, which means anyone who qualifies for both Medicare and Medicaid is eligible.

Another great plan in the area is Wellcare. It’s an HMO with dual eligibility and a $0 premium. It has a much lower MOOP of $3,450.

UnitedHealthcare HMO is also a plan in the area. It has a $0 premium for dual eligibility beneficiaries but a much higher MOOP of $7,550.

PLAN PREMIUM MOOP Plan Type Eligibility
Amerigroup $0 $6,700 HMO Dual
Horizon BCBS $0 $6,700 HMO Dual
Wellcare $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual

FAQs

How much is Medicare in Elizabeth, NJ?

For most people, Part A is free. If you have to buy it, it can cost $499. Part B costs $170.10 monthly but can increase with a higher income.

What age does Medicare start in Elizabeth, NJ?

Medicare coverage starts at age 65 for most people. If you’re under 65 but have been on disability payments for 24 months, you also qualify for Medicare.

What is the income limit for Medicare in Elizabeth, NJ?

New Jersey has several plans that help pay for Medicare coverage if you can’t afford it. While Part A is free for most, Part B is more expensive. See if you can apply for QMB, SLMB, or QI assistance.

How do I enroll in Medicare in Elizabeth, NJ, for the first time?

Enrolling is a straightforward process. You must contact Social Security to sign up for Parts A and B.

What are the four types of Medicare in Elizabeth, NJ?

Part A covers inpatient care, while Part B covers outpatient care. Medicare Advantage is known as Part C. Part D covers prescription drugs.

How to sign up for Medicare plan in Elizabeth, New Jersey

With many Medicare plan options available in Elizabeth, New Jersey, it can get a bit complicated. To view rates and be connected to a licensed insurance broker that can answer any question, simply call us or fill out our online form to get rates today.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.