In Jersey City, New Jersey, 563,996 Medicare beneficiaries have enrolled in either an Original Medicare plan or a Medicare Advantage plan. 32.2%, or 181,618 Medicare beneficiaries, have enrolled in a Medicare Advantage plan, leaving 382,378 enrolled in the Original Medicare plan. We will examine the available supplemental plans for Jersey City, New Jersey residents.

Supplemental Medicare Plans in Jersey City, New Jersey

With a Supplemental Medicare insurance plan, enrollees can enjoy the benefits not otherwise provided by their New Jersey Original Medicare. They can enroll in either a Medigap plan or a Medicare Advantage plan to supplement their Medicare. In Jersey City, the beneficiaries are 56.43 % female, with an average age of 73.

Average Medicare Advantage Plans in Jersey City, New Jersey

There are 181,618 New Jersey Medicare Advantage plan enrollees in Jersey City. New Jersey has 33 Medicare Advantage plans available to residents. The wide availability of plans allows residents to choose from various programs to best suit their needs.

When choosing a plan, it’s key to examine the monthly premiums (how much you’ll pay for the insurance per month) and the deductibles (how much of your medical costs you’ll have to pay before your insurance coverage kicks in). High premiums often mean low deductibles and vice-versa. Also, look at the star rating, a 1-5 scale that tells you how effective a plan typically is.

A Medicare Advantage plan with Humana (HMO) has a 4-star rating and a zero-dollar premium. This plan has a maximum out-of-pocket (MOOP, the maximum amount you can pay for healthcare services in one year, excluding your monthly premiums) of $6,500. This plan is a favorite because of its accessibility all over the country.

Aetna (HMO) is another plan option with a 4-star rating. A plan with Aetna has a zero-dollar premium and a MOOP of $7,550.

UnitedHealthcare (Local PPO) has a MOOP of $7,550 and no monthly premium. Additionally, it’s a 4-star rated plan. These plans typically have higher copays than an HMO.

Another plan is Wellcare (HMO), which features a 3-star rating. This plan also has a zero-dollar monthly premium and a MOOP of $7,550.

Below is a chart of available Medicare Advantage plans available in Jersey City, New Jersey:

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

Affordable Medicare Supplement Plans in Jersey City, New Jersey

Medigap plans benefit enrollees because they provide extra coverage for holes in Medicare coverage. The primary difference between the plans offered is the monthly premium, which can range significantly. Coverage remains the same from state to state, so you’ll still be covered if you move.

Plan G is a popular Medigap plan in New Jersey with a monthly premium ranging from $127.58 to $394.92. Many favor this plan because it doesn’t require a monthly deductible for coverage.

Medigap High-Deductible Plan G (HDG) is another popular plan due to its low monthly premiums, ranging from $45.99 to $59.41. However, this plan does require a monthly deductible.

Another monthly deductible plan is High-Deductible Plan F (HDF). This plan ranges from $45.99 to $66.06 in monthly premiums.

Below is a chart featuring affordable Medicare Supplement plans in Jersey City, New Jersey:

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 Medicare Part D in Jersey City, New Jersey

Unfortunately, no Medigap covers the cost of prescriptions. A Medicare Part D plan is an individual plan that covers the expense of New Jersey medications for Medicare beneficiaries.

A plan with Aetna has the lowest premium for Medicare enrollees in Jersey City, New Jersey, at $7. They have a 3-star rating and a deductible of $480.

The highest premium, at $28.50, comes from a plan with Horizon BCBS. However, it has the lowest deductible of $400 and a 3-star rating.

Humana has a 4-star rating and a monthly premium of $22.70. The deductible for a plan with Humana is $480.

Below is a table highlighting the cheapest Medicare Part D plans in Jersey City, New Jersey:

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 in Jersey City, New Jersey

Medicare Special Needs Plans (SNPs) are available for those who require further coverage due to a chronic disability or other special needs. This plan isn’t open in all areas.

Beneficiaries looking for an SNP can choose Amerigroup (HMO), which has dual-eligibility, zero-dollar premium, and a monthly out-of-pocket (MOOP) rate of $6,700.

Another SNP is Horizon BCBS (HMO), which has dual eligibility, a zero-dollar premium, and a MOOP rate of $6,700.

Lastly, UnitedHealthcare has a zero-dollar premium, dual eligibility, and a MOOP rate of $7,550.

Below is a table featuring Medicare SNPs in Jersey City, New Jersey:

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

FAQs

Can I get Medicare at age 62 in Jersey City, NJ?

In most cases, no. However, you’re eligible for Medicare before age 65 if you have been on Social Security Disability Insurance (SSDI) for the past two years. You may also qualify if you have ALS or end-stage renal failure.

What is Medicare Part C called in Jersey City, NJ?

In Jersey City, Medicare Part C refers to a Medicare Advantage Plan or “MA Plan.” Medicare approves these private supplemental plans, which must adhere to Medicare’s strict guidelines.

Does Medicare in Jersey City, NJ, cover NJ FamilyCare?

Medicare covers patients 65 years and older, those on SSDI, and those with ALS or end-stage renal disease. Medicaid covers NJ FamilyCare, which is for low-income families in New Jersey.

What is the income limit for Medicare in Jersey City, NJ?

In Jersey City, NJ, the income limit for Medicare is $13,590 for singles and $18,310 for married couples in 2022. This includes income and the collective value of assets, such as homes or cars.

How to Sign Up for Supplemental Medicare in Jersey City

If you’re ready to get additional coverage for your Medicare plan in Jersey City, New Jersey, we can help you choose the best plan for your needs.

Signing up for a Supplemental Medicare plan is simple. Our knowledgeable and licensed insurance agents will assist you in selecting a Medicare plan with your health needs and budget in mind.

Contact us today via the phone number on our website or by filling out our rate form to get your rate.

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.