Seniors from New Jersey who choose to enroll in a Medicare Advantage Plan have good options. When you enroll in Medicare Advantage you are trading your Original Medicare benefits for private health insurance available in New Jersey.
Plans vary from county to county. It all comes down to the availability HMO and/or PPO healthcare provider networks available in the area.
How-To Enroll in a New Jersey Medicare Advantage Plan
Most people living in New Jersey, age 65 and older, qualify to enroll in Medicare Advantage. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
There are several different Medicare Election Periods. This is when you can join or change your plan. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
There’s also an Individual Election Period (IEP) that you can use once. Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
You have three different enrollment options. You can call a plan directly. This makes for quick and easy enrollment if you already know the plan you want.
Then government’s official website, www.Medicare.gov, is the second option. It’s an easy way to start your application on-line, compare plans, verify that your medications are covered and see which doctors take the plan you want.
An independent health insurance agent is the third option. This is the best way to go if you need someone to help advise you. Many agents work with multiple insurance companies, so you’ll have plenty of options.
New Jersey Medicare Advantage vs. Original Medicare, Medigap and Part D
Medicare Advantage is one way to get full coverage healthcare. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a New Jersey Medicare Part D Plan (prescriptions) and New Jersey Medicare Supplement Insurance.
A Medicare Supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our New Jersey Medigap Plans page for more information. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
About Our 2015 New Jersey Medicare Advantage Plan Information
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. Only a licensed health insurance agent can give you a binding quote.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.