Paterson, New Jersey, has 63,790 residents enrolled in an Original Medicare or Medicare Advantage plan. Of the 63,790 participants, 38,544 have an Original Medicare plan, while 25,246 have Medicare Advantage.

However, several Medicare plans are available to Paterson, NJ, residents that can make medical coverage even more affordable.

Medicare plans in Paterson, New Jersey

Supplemental Medicare plans help pay for medical expenses not covered by your original plan. They fill the gaps left by Original Medicare in New Jersey, making things more affordable for you and your family. You can enroll in a Medicare Advantage or Medigap plan that provides additional coverage to Part A and Part B.

In Paterson, New Jersey, 42.59% of enrollees are male, with an average age of 74.

Medicare Advantage plans

Paterson, New Jersey, offers several Medicare Advantage plans, giving residents several options. As of right now, there are 37 New Jersey Medicare Advantage plans available in Paterson. Around 25,246 Paterson, NJ beneficiaries enrolled in a Medicare Advantage plan.

Humana is a four-star Medicare Advantage plan carrier with zero-dollar premiums. It offers local PPO (Preferred Provider Organization) plan types with a $7,550 MOOP (Maximum-Out-Of-Pocket). Humana is one of the country’s most popular Medicare Advantage carriers since it’s available nationwide.

Clover Health is another four-star MA carrier without premium fees. It also sports a $7,550 MOOP. Clover Health provides HMO (Health Maintenance Organization) plans that require beneficiaries to go to specific network providers for Medicare services and care.

WellCare is an excellent carrier that offers local PPO plans with zero premiums and a $7,550 MOOP. Although it doesn’t have a star rating currently, it’s widely popular across Paterson, NJ, and the rest of the country.

The average cost of Medicare Advantage plans in Paterson, New Jersey

PLAN PREMIUM MOOP Plan Type Star Rating
Braven Health $0 $6,700 LOCAL PPO N/A
Clover Health $0 $7,550 HMO 3
WellCare $0 $7,550 LOCAL PPO N/A
Humana $0 $7,550 LOCAL PPO 4
Amerigroup $0 $6,950 HMO 3

Medicare Supplement plans

As stated before, New Jersey Medicare Supplement plans cover medical costs for Patterson residents that Original Medicare doesn’t cover. It prevents you from paying out of pocket, helping you save money while providing outstanding medical coverage.

Since the government standardizes supplemental plans, the benefits don’t fluctuate between states or carriers. You only pay the monthly premiums associated with your specific plan.

Medigap Plan G premiums range from $159.71 to $453.77 and don’t require enrollees to pay a Part B deductible. It’s an excellent plan to help you save on costly medical bills when an emergency arises.

A high deductible Plan G is one of the most popular Medigap supplement plans with monthly premiums between $55.97 and $77.63. It provides all the benefits of Plan G but carries a monthly deductible.

Medigap Plan F has a $198.90 to $466 premium. It provides beneficiaries with the most coverage but isn’t available to new Medicare enrollees.

The average cost of Medicare Supplement plans in Paterson, New Jersey

PLAN A $133.39 $284.61
PLAN B $179.84 $391.37
PLAN C $206.42 $515.05
PLAN D $158.10 $383.87
PLAN F $198.90 $466.00
PLAN HDF $57.70 $81.13
PLAN G $159.71 $453.77
PLAN HDG $55.97 $77.63
PLAN K $66.14 $150.25
PLAN L $103.92 $220.37
PLAN M $112.68 $254.53
PLAN N $130.66 $348.70

Medicare Part D prescription drug plans

Medicare Part D plans are independent plans that cover prescription costs. Unfortunately, Medigap plans don’t cover medications, and only a few Medicare Advantage plans include prescription expenses. You must purchase a stand-alone Part D plan in New Jersey through a carrier to cover your prescriptions.

Aetna offers Part D plans with $7 premiums and $480 deductibles. The carrier’s three-star rating makes it a go-to choice for many Paterson, New Jersey, Medicare enrollees.

Humana is a four-star health insurance carrier that provides Part D plans with $22.70 premiums and $480 deductibles. It’s one of the highest-rated health insurance companies currently offering Part D plans in Paterson, NJ.

Another three-star rated health insurance company, WellCare, offers excellent Part D plans with $12.90 premiums and $480 deductibles.

The average cost of Medicare Part D plans in Paterson, New Jersey

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

Special Needs Plans

SNPs, also called Special Needs Plans, are available to Paterson residents with special needs or chronic disabilities. They are a subdivision of Medicare Advantage plans and help pay for qualified members’ medical expenses. However, Special Needs Plans aren’t available in every region.

Aetna (HMO) offers Special Needs Plans with zero-dollar premiums and a $7,550 MOOP. It also provides dual eligibility to qualified beneficiaries.

WellCare (HMO) offers SNPs zero-dollar premiums and a $3,450 MOOP. Much like Aetna, WellCare provides dual eligibility.

UnitedHealthcare offers residents of Paterson, New Jersey, a Medicare Special Needs Plan without premiums and a $7,550 MOOP. It also provides dual eligibility.

The average cost of Medicare Special Needs plans in Paterson, New Jersey

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO Dual
WellCare $0 $3.450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Amerigroup $0 $6,700 HMO Dual
Horizon BCBS $0 $6,700 HMO Dual

How to sign up for Medicare plans in New Jersey

You’ve come to the right place if you need Supplemental Medicare in Paterson, New Jersey. Our licensed insurance agents will work with you to find the best Medigap plans without putting excess stress on your finances.

Their knowledge and assistance are free to you, so call us today. Or fill out our online rate form to be connected with the best rates in your area.

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.