2019 Medicare Advantage Plans Senior Health Insurance for New Jersey's Medicare Beneficiaries

Click on your New Jersey County below to shop all 2019 Medicare Advantage plans. It's government approved private health insurance that replaces your Original Medicare private-fee-for-service benefits.

Some rural areas don't offer senior citizen health insurance plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.

Click on your county below.

How-To Enroll in Medicare Advantage

Most people living in New Jersey, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).

There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).

You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.

There are three ways to enroll:

• Call a plan directly. If you know the plan you want, this way is quick and easy.
• Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
• Use an independent insurance agent. This is the best way to go if you need someone to help advise you.

Medicare Advantage vs. Original Medicare with a Supplement

If you are concerned that Medicare Advantage could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. New Jersey Medicare Supplemental Insurance and a New Jersey Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.

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 2019 Medicare Part C Information

We collect Medicare health insurance information from public files on CMS.gov. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote.

For additional information go to the CMS website at: http://cms.gov. This page is maintained by David Bynon and was last updated on October 15, 2018.