Around 168,097 Toms River, New Jersey, residents have enrolled in an Original Medicare plan or a Medicare Advantage plan. Out of the 168,097 enrollees, 120,110 have an Original Medicare plan, while 47,987 (28.55%) have Medicare Advantage.

Several supplemental Medicare plans are available in Toms River, New Jersey, that help pay for your medical expenses, making life easier for you and your family.

Supplemental Medicare Plans in Toms River, NJ

Supplemental Medicare plans in New Jersey provide numerous benefits to qualified enrollees and can do the same for Toms River residents. They help pay medical costs that Original Medicare doesn’t cover. You can supplement your Part A, and Part B plans by purchasing a Medicare Advantage or Medigap plan.

Males 65 or older make up 43.83% of Toms River beneficiaries.

Affordable Medicare Advantage plans in Toms River, NJ

As stated before, 168,097 Toms River residents have either a Medicare Advantage or an Original Medicare plan in New Jersey. There are currently 39 supplemental plans available to qualified Toms River, NJ, residents.

Below are some of the most popular Medicare Advantage plans in Toms River, NJ.

WellCare is a high-quality carrier that offers local PPO (Preferred Provider Organization) plan types with zero-dollar monthly premiums and a $7,550 MOOP (maximum out-of-pocket). Although it doesn’t currently have a star rating, it’s considered one of the best Medicare Advantage plans in Toms River, New Jersey.

UnitedHealthcare is a four-star carrier that offers excellent HMO (health maintenance organization) plan types without monthly premiums. It also has a $6,900 MOOP.

Braven Health is another excellent carrier that offers local PPO plans with zero premiums and a $6,900 MOOP. Many Toms River residents praise Braven Health’s first-class Medicare Advantage plans despite not having a star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
WellCare $0 $7,550 LOCAL PPO N/A
Amerigroup $0 $6,950 HMO 3
Braven Health $0 $6,700 LOCAL PPO N/A
UnitedHealthcare $0 $6,900 HMO 4
Cigna $0 $6,900 HMO 4

Average Medicare Supplement Plans in Toms River, NJ

Medicare Supplement plans in Toms River, New Jersey, cover costly medical bills that you would otherwise have to pay without the correct plan. The government standardizes these plans, preventing them from fluctuating costs from state to state. However, Medigap and Medicare Supplement plans require monthly premiums.

Medigap Plan G is one of the most popular plans in the greater Toms River, New Jersey, area. Its premium ranges from $135.35 to $453.77 a month but doesn’t require patients to pay a Part B deductible.

Patients with Medigap Plan HDG enjoy all the benefits of Medigap Plan G but must pay a monthly deductible. The plan has affordable premiums ranging from $50.83 to $66.54.

Medigap Plan N has $111.43 to $348.70 premiums but requires you to pay a $20 copay for doctor’s appointments and a $50 copay for emergency room visits.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $107.07 $284.61
PLAN B $160.27 $391.37
PLAN C $178.26 $515.05
PLAN D $133.99 $383.87
PLAN F $166.42 $466.00
PLAN HDF $50.99 $75.97
PLAN G $135.35 $453.77
PLAN HDG $50.83 $66.54
PLAN K $54.19 $150.25
PLAN L $92.88 $220.37
PLAN M $105.87 $205.79
PLAN N $111.43 $348.70

Cheapest Medicare Part D in Toms River, NJ

Medicare Part D plans cover prescription medication costs in New Jersey for qualified enrollees. They are independent plans not covered by other Medigap plans. However, a select few Medicare Advantage plans include Part D coverage.

Aetna offers Part D plans with $7 premiums and $480 deductibles. It’s a three-star rated carrier that provides excellent coverage to qualified Toms River residents.

Humana is a four-star medical carrier with $22.70 Part D premiums and $480 deductibles. It’s one of the highest-rated carriers available in the area, making it the preferred choice among many Toms River patients.

Horizon BCBS has a three-star rating and offers Part D Plans with $28.50 premiums with $400 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 in Toms River, NJ

Special Needs Plans, also called SNPs, are a subdivision of Medicare Advantage plans tailored to patients with special needs or chronic disabilities. Although Special Needs Plans aren’t available in specific regions, they provide numerous benefits to qualified enrollees.

Some of the most popular Special Needs Plan carriers offer a range of options.

WellCare (HMO) offers Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. It also provides dual eligibility to patients.

Amerigroup (HMO) is another popular carrier that offers Special Needs Plans without premiums. It carries a $6,700 MOOP and dual eligibility.

UnitedHealthcare offers Special Needs Plans with zero-dollar premiums, a $7,550 MOOP, and dual eligibility.

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

FAQs

What Changes Are Coming to Medicare in 2022 in Toms River, NJ?

Medicare will raise the price of premiums and deductibles for Toms River, New Jersey, residents in 2022. It’s the most significant Part B price hike recorded and will raise outpatient service prices to $170.10, a $21.60 increase from 2021.

What are Medicare’s income limits in 2022 in Toms River, NJ?

Single patient incomes can’t exceed $16,308 in 2022, while married couples’ incomes can’t surpass $21,972. Medicare also limits unmarried enrollees’ assets to $8,400 and married patients to $12,600.

Who Qualifies for Medicare in Toms River, NJ?

Any resident 65 or older qualifies for Medicare in Toms River, New Jersey. People with a disability exceeding 24 months or citizens suffering from End-Stage Renal Disease also qualify for Medicare.

Do I Have to Pay for Medicare Part A in Toms River, NJ?

Most patients don’t pay a premium for Part A Medicare. However, if you purchase Part A, you must pay a maximum of $499 monthly. However, if you paid Medicare taxes for 30 to 39 quarters, the Part A premium drops to $274.

What Happens If I Don’t Want Medicare Part B in Toms River, NJ?

You must pay a 10% penalty every 12 months if you don’t sign up for Medicare Part B. However, you can terminate your Medicare Part B by completing Form CMS 1763.

It’s important to note that you may need a personal interview with a Social Security representative to terminate your Medicare Part B.

How to Sign Up for Supplemental Medicare in Toms River, NJ

Contact us for outstanding supplemental Medicare and Medicare Advantage in Toms River, New Jersey. Our team works with all the leading carriers and will help you find the perfect plan that doesn’t exceed your financial means.

We’ve helped countless Toms River residents find high-quality supplemental Medicare plans, and we can do the same for you free of charge.

Call us today. Or fill out our online form to access the best rates in Toms River, New Jersey!

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.