Best New Jersey Medicare Supplement Companies & Plans (2024)
Medicare supplement (Medigap) in NJ is available from a wide variety of companies, including major health care insurers and smaller insurance companies. Because New Jersey Medicare supplement plan options are standardized, you can compare New Jersey Medicare supplement rates from multiple companies knowing the coverage is the same.
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Daniel Walker
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Feb 16, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- There is an added cost for New Jersey Medicare supplement coverage
- Medicare supplement plans in New Jersey are standardized
- There are 42 companies offering Medicare supplement plans in New Jersey
Medicare supplement policies in New Jersey are available from a wide variety of sources, including major health insurance companies and smaller insurance providers. Also known as Medigap, Medicare supplement fills the gaps in original Medicare to cover things like coinsurance and deductibles.
NJ Medicare supplement plan options are standardized, so all companies must provide the same coverage on each policy type. Not every company offers all of the possible New Jersey Medicare supplement plans, so consider your options and then find the right company for your needs.
To find the best Medicare supplement rates in NJ, enter your ZIP code above. You can compare fast, free Medicare Supplement quotes in New Jersey right now.
Standard Medicare Supplement Plans in New Jersey
New Jersey Medicare supplement plans are standardized, and every company must include the same coverage on the plans they choose to offer. Compare the details of each plan here to see what level of New Jersey Medicare supplement coverage is right for you.
Medicare Supplement Plans in New Jersey
| Plan Name | Monthly Cost | Copays Coinsurance | Deductibles | Plan Benefits |
|---|---|---|---|---|
| Medigap Plan A | Premiums range from $95-$587 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $1,484 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: No Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan B | Premiums range from $130-$692 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: No
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan C | Premiums range from $164-$871 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan D | Premiums range from $120-$683 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan F | Premiums range from $150-$732 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan F-high deductible | Premiums range from $46-$217 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $0 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: Yes Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G | Premiums range from $121-$842 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan G-high deductible | Premiums range from $46-$190 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services after you pay $2,370 deductible | $2,370 total plan deductible. After, you pay: $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: Yes Foreign travel emergency: Yes |
| Medigap Plan K | Premiums range from $50-$364 depending on your age, sex, health status, and when you buy. | 10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year. | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan L | Premiums range from $74-$508 depending on your age, sex, health status, and when you buy. | 5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year. | $371 (25% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: No |
| Medigap Plan M | Premiums range from $94-$588 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services | $742 (50% of Part A deductible) Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
| Medigap Plan N | Premiums range from $96-$568 depending on your age, sex, health status, and when you buy. | $0 Generally your cost for approved Part B services with some $20 and $50 copays | $0 Hospital (Part A) deductible, $203 Medical (Part B) deductible |
Skilled nursing facility: Yes
Part A deductible: Yes Part B deductible: No Part B excess charges: No Foreign travel emergency: Yes |
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Medicare Supplement Plans by Company in New Jersey
You have a lot of choices when it comes to New Jersey Medicare supplement companies. Here you’ll find a complete list of companies selling Medigap policies in NJ, as well as which plans they offer. Refer to the details of each plan in the section above to help you decide which company has the right New Jersey Medicare plans for you.
Medicare Supplement Plans by Company in New Jersey
| Company | Plans |
|---|---|
| AARP – UnitedHealthcare Insurance Company (Level 1) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 1/Household) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 2) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Level 2/Household) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Standard) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| AARP – UnitedHealthcare Insurance Company (Standard/Household) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Aetna Health Insurance Company | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Colonial Penn Life Insurance Company | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Colonial Penn Life Insurance Company (Substandard) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| Humana (Humana Insurance Company) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Humana (Humana Insurance Company) (Household) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Transamerica Life Insurance Company (Direct) | Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan L, Medigap Plan M, Medigap Plan N |
| United States Fire Insurance Company | Medigap Plan B, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan K, Medigap Plan L, Medigap Plan N |
| Accendo Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Americo Financial Life and Annuity Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Americo Financial Life and Annuity Insurance Company (Class 1) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Amerihealth Ins Co of NJ | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Bankers Fidelity Life Insurance Company (Preferred) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Bankers Fidelity Life Insurance Company (Standard) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Capitol Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Central States Health and Life Co. of Omaha | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Cigna Health & Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Federal Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Horizon Blue Cross Blue Shield of New Jersey (Preferred) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan N |
| Horizon Blue Cross Blue Shield of New Jersey (Standard) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan K, Medigap Plan N |
| Humana Achieve (Humana Benefit Plan of Illinois, Inc.) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Humana Achieve (Humana Benefit Plan of Illinois, Inc.) (Household) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Humana Value (HumanaDental Insurance Company) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Humana Value (HumanaDental Insurance Company) (Household) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Lumico Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Manhattan Life Assurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| National Guardian Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| National Health Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| National Health Insurance Company (Household) | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan N |
| Omaha Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
| Pan-American Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Philadelphia American Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan M, Medigap Plan N |
| Prosperity Life Group | Medigap Plan C, Medigap Plan F, Medigap Plan G |
| Royal Arcanum | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Shenandoah Life Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| Union Security Insurance Company | Medigap Plan C, Medigap Plan F, Medigap Plan G, Medigap Plan N |
| United American Insurance Company | Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan F-high deductible, Medigap Plan G, Medigap Plan G-high deductible, Medigap Plan N |
Compare New Jersey Medicare Supplement Rates
Ready to compare New Jersey Medicare supplement plans for your needs? Enter your ZIP code to get fast, free quotes for NJ Medicare supplement today.
Find Medicare Plans in Your Area for Comprehensive Coverage
Discover Medicare plans available in various locations, including Cape May County and Carteret in New Jersey, as well as Morris County, Morristown, Englewood, Point Pleasant Beach, Essex County, and Sussex County.
Frequently Asked Questions
What are Medicare supplement plans, and how do they work?
Medicare supplement plans, also known as Medigap, are designed to fill the gaps in original Medicare coverage, such as copayments, coinsurance, and deductibles. These plans are offered by private insurance companies and provide extra coverage that isn’t included in original Medicare. When you receive medical services, Medicare pays its share of the approved amount for the covered service, and your Medicare supplement plan pays its share.
How are New Jersey Medicare supplement plan options standardized?
Medicare supplement plan options in New Jersey are standardized, which means that all companies must provide the same coverage on each policy type. For example, if a company offers Plan F, it must provide the same coverage as all other companies that offer Plan F. This makes it easier for you to compare New Jersey Medicare supplement rates from multiple companies.
Which companies offer Medicare supplement plans in New Jersey?
There are many insurance companies that offer Medicare supplement plans in New Jersey, including major health care insurers and smaller insurance companies. Some examples of companies that offer New Jersey Medicare supplement plans include Aetna, Cigna, UnitedHealthcare, and Mutual of Omaha.
How do I choose the right New Jersey Medicare supplement company for me?
The right Medicare supplement company for you will depend on your individual needs and budget. It’s important to compare New Jersey Medicare supplement rates from multiple companies to find the one that offers the best coverage at a price you can afford. You may also want to consider factors such as the company’s reputation, customer service, and financial stability.
Can I change my New Jersey Medicare supplement plan?
You can change your Medicare supplement plan at any time, but you may be subject to medical underwriting if you switch plans outside of your initial enrollment period or a guaranteed issue period. It’s important to understand the rules and restrictions for changing Medicare supplement plans in New Jersey before you make any decisions.
How do I get a quote for a New Jersey Medicare supplement plan?
You can get a quote for a New Jersey Medicare supplement plan by contacting individual insurance companies directly or by using a comparison tool that allows you to compare rates from multiple companies at once. To get started, enter your ZIP code above to compare fast, free Medicare supplement quotes in New Jersey.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.