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

Supplemental 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.

Cheapest Medicare Advantage Plans in Paterson, NJ

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 most popular Medicare Advantage carriers in the country 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.

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

Average Medicare Supplement Plans in Paterson, NJ

As stated before, Medicare/Medigap supplement plans in New Jersey 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 that can 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.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Affordable Medicare Part D in Paterson, NJ

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 have your prescriptions covered.

Aetna offers Part D plans with $7 premiums and $480 deductibles. The carrier currently has a three-star rating, making 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.

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

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

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

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

FAQs

Does Social Security Count as Income in Medicare?

Yes. Carriers base Medicare premiums on your MAGI (Modified Adjusted Gross Income). If Social Security views you as a higher-income beneficiary, you must pay more for Medicare Part B.

What Does Medicare Part D include?

Medicare Part D covers various prescription drug costs in Paterson, New Jersey. Most plans categorize drugs in tiers.

Does Medicare Part A and B cover 100 percent?

Although Medicare Part A and B cover several medical expenses, it doesn’t cover everything. Below are some of the areas Medicare Part A and B don’t cover:

What is the difference between Medicare A and Medicare B in Paterson, NJ?

Medicare Part A covers basic hospital costs, hospice, and home health care services, while Medicare Part B focuses on outpatient medical care like X-rays, doctors’ appointments, and preventive care.

What is Medicare Part A Deductible for 2022 in Paterson, NJ?

Beneficiaries pay a $1,556 deductible for each benefit period for Medicare Part A.

How to Sign Up for Supplemental Medicare in New Jersey

If you need Supplemental Medicare in Paterson, New Jersey, you’ve come to the right place. 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.

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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.