Medicare Advantage Plans by New Jersey County
Hello New Jersey seniors! On this page you will find a complete list of Medicare Advantage Plans for New Jersey beneficiaries, organized by county. Not familiar with Medicare Advantage? No problem, it’s easy. An Advantage Plan replaces your Original Medicare with a traditional HMO or PPO health plan that offers you more coverage.
Rural counties in New Jersey may have few HMO or PPO health plans, or possibly none at all. Advantage Plan providers uses hospital and doctor networks to provide care. Find your county below to start comparing plans..
Locate a Medicare Agent in New Jersey!
Ready to get quotes? We keep a up-to-date list of Medicare insurance agents licensed to sell plans in New Jersey. Click Here Now to meet your agents. Get confidential quotes online to find the best rate.
Medigap & Medicare Part D vs. Medicare Advantage: Best New Jersey Full-Coveral Health Insurance
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in New Jersey protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in New Jersey are are standard. That means you have the benefit of shopping by best price.
New Jersey Medicare Advantage Enrollment Options
In general, there are two times that you can enroll in a New Jersey Medicare Advantage plan that’s available in your county. The first time you can enroll is during your Initial Enrollment Period (IEP). For most people, your IEP happens when you turn 65. After that, you enroll in an MA plan during open enrollment, called the Annual Election Period (AEP). During AEP, which starts every year on October 1st and ends on December 7th, you can enroll, dis-enroll or change plans.
Are you ready to enroll, but you’re not quite sure how? No problem, it’s easy! Most New Jersey seniors use an independent Medicare insurance agent to walk them through the whole process. Your agent is well versed in all of the plans available in your county, and they will help you compare plan features without trying to sell you on one plan or another. In fact, by law agents are required to follow strict selling and marketing guidelines. It’s all for your protection. If you’d rather not use a local agent, you can go directly to Medicare.gov. Click here to get started.
Obamacare vs. a New Jersey Medicare Advantage Plan
Do you have questions about how Obamacare affects MA plans in 2014? Trust me, you’re not alone. Quite a few New Jersey seniors are confused. What you really need to know is that the new healthcare law does not affect Medicare Advantage plans in so far as the consumer is concerned. The carriers have a few more regulations, but nothing that will affect your plan and plan choices in 2014.
You might also be interested to know that your New Jersey Health Insurance Exchange (where Obamacare plans are sold) will not assist people with Medicare benefits. In other words, you can’t trade your Medicare or purchase additional health insurance on the state health insurance exchange (HIX). If you call the New Jersey HIX hotline, they will simply redirect you to Medicare.gov. If you qualify for Extra Help, due to your income status, go to your local Social Security Administration office. Learn more about the healthcare law at www.HealthCare.gov.
New Jersey Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details and only a licensed insurance agent can give you quote. For additional information go to the CMS website at: http://cms.gov.