Medicare Supplement Plans in New Jersey for 2022

New Jersey Medicare Supplement plans work alongside Medicare, filling gaps in coverage. Medigap coverage is beneficial because paying 20% of medical care is costly. Private companies currently offer Medicare Supplement Plans. There isn’t a specific enrollment period; so, apply for Medigap coverage anytime.

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Best Medicare Supplement Plans in New Jersey

Two Medigap Plan F policies in different zip codes will offer the same coverage. Since the government requests standardizing plans, beneficiaries benefit from easily compared policies.

The three most consistently selected plans are Plan F, G, and N. Although, not all beneficiaries select this coverage. Each person has different needs, budgets, and preferences; the choice is ultimately yours.

Premium shouldn’t be the only motivating factor in plan selection; a reliable company with superior customer service is worth the extra few dollars. A-rated companies are offering competitive rates in your area.

New Jersey Medicare Supplement Eligibility

The best time to select a Medigap policy is during the 6-month Medicare Supplement Open Enrollment Period.

The OEP allows beneficiaries with pre-existing conditions the opportunity to select a policy without risk of denial or increased premium.

Also, the pre-existing condition waiting period won’t apply. This is because the OEP is a beneficiaries’ first chance for Guaranteed Issue Rights.

Medigap plan applications can be submitted anytime; however, applying by your 65th birthday is the best chance at a lower premium.

Beneficiaries becoming ineligible for Medicaid will have G.I. rights to purchase a Medigap policy through New Era.

Those with employer coverage that is primary to Medicare can voluntarily leave the plan with G.I. rights for a Medigap plan.

New Jersey Medicare Supplement Plan Prices

Most Medigap plans in New Jersey are attained-age rated. This means the premium increases as age increases. The cost of a Medigap plan will vary based on enrollment eligibility, age, location, gender, and sometimes health.

Beneficiaries new to Medicare will have the lowest premium rates. Some Medigap plans cost less per year than one hospital stay.

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Medicare Supplements for the Disabled under 65

The state of New Jersey requires insurance companies to offer one Medigap plan to beneficiaries under 65 receiving Medicare.

Occasionally an insurance company will voluntarily sell Medigap coverage to disabled beneficiaries; however, the cost is usually much higher than it would be for someone turning 65.

Many under 65 beneficiaries find Medicare Advantage plans are more suitable until they turn 65. Once 65, recipients will be entitled to the OEP and G.I. rights.

Some areas even have Medicare Special Needs Advantage Plans that are tailored for people with specific disabilities or beneficiaries eligible for Medicare and Medicaid.

Medicare Advantage Plans in New Jersey

35% of beneficiaries chose to enroll in a Medicare Advantage plan in New Jersey.

Part D Plans in New Jersey

Medicare doesn’t cover Part D medications, that coverage needs to be purchased separately from an insurance company. Enrolling in prescription coverage when the Medicare Initial Enrollment Period is active will likely prevent a late enrollment penalty.

Part D can cost less than $30 in some areas; however, sometimes, the lowest premium plan isn’t the lowest annually costing method for everyone.

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How to Apply for Medicare in New Jersey

Exploring Medicare options can be time-consuming and energy-draining. Our agents are experts. They make discovering the most suitable policy more accessible.

Having Medigap coverage protects you from costly medical bills. Protect your retirement savings by enrolling in Medicare Supplement coverage today.

It's as simple as cake; just call the number above or fill out an online rate form. The sooner you get coverage, the sooner you can enjoy peace of mind.

We know to get older means health complications, protect your future healthcare by selecting Medigap now.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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