New Jersey Medicare Supplement Plans & NJ Medigap Insurance Rates

"Medicare Supplement Insurance" is also called "Medigap Insurance" to alleviate any confusion.


FIRST, What is Medicare?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

It does not cover 100% of all hospital and medical expenses you might have.

Medicare is the federal health insurance program for:

  • Part A (Hospital Coverage)
  • Part B (Medical Coverage)
  • Part C (Medicare Advantage) aka Medicare Replacement
  • Part D (Prescription Drug Coverage)

As Medicare Part A and Part B only cover a portion of the overall healthcare expenses, they come with out-of-pocket costs you have to pay. Medicare Supplemental Insurance (aka Medigap) was designed to fill in the "gaps" in basic benefits left behind by this. Some of these plans have out-of-pocket maximums.

Medicare only pays 80% for most medical expenses, and Medicare also beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations etc. For the standard Medicare Part A hospital deductible You pay:

  • $1,340 deductible for each benefit period
  • Days 1-60: $0 coinsurance for each benefit period
  • Days 61-90: $335 coinsurance per day of each benefit period
  • Days 91 and beyond: $670 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)
  • Beyond lifetime reserve days: all costs

For Part B deductible and coinsurance, you pay $183 per year. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and durable medical equipment.

If you have a lot of doctor visits throughout the year, or you have a health condition that may require hospitalization, you might want to look into Medicare Supplement (Medigap) insurance.

Medigap in New Jersey

New Jersey Medicare Supplemental Insurance (Medigap) Plan – Learning about how Medicare Supplement Insurance work should be the first thing you should do in order to get the best out of your money’s worth in coverage. You must then compare plans as well as prices that may be suitable for you and find out which one is available in your area. Learning about New Jersey Medicare Supplement Plans is a great way to ensure you are getting the best value for your money when purchasing Medicare Supplemental Insurance.

Medigap is the only form of private coverage for Medicare beneficiaries that have no federally-mandated annual open enrollment period. Medigap plans are guaranteed issue during a six-month window that starts when you turn 65 and enroll in Original Medicare. During that time, enrollees can purchase any Medigap plan available in their area, with no medical underwriting.

Medicare Supplemental Coverage was designed to supplement or fill in the “gaps” left by the traditional Medicare (Medicare Plan A & Plan B). There are 10 policies currently available, designed in a letter system, ranging from Plan A to Plan N. The most popular options chosen by those purchasing Medigap are Plan F and Plan G. These two are the most comprehensive among the 10 policies, meaning they typically cover a lot more than others, but they’re all also the most expensive. All companies will offer the same benefits for each policy but will only differ on the price they charge.

Bear in mind that New Jersey Medicare Supplement Plans can cover all the gaps left by Medicare so you have little to no out-of-pocket expenses. All Medicare Supplements are designed by Medicare, so the benefits of these policies are the same across companies, the only difference is the price they charge. There is no reason to pay more for the same Plan in a different company since it contains the same exact coverage as the one with the lower rate.

It is very important that you shop around and obtain multiple New Jersey Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you and would be able to compare a lot of options before picking the best one.

Rather than subjecting yourself in the annoyance that is direct Medicare Supplement Insurance surfing where you have to go through a lot of insurance companies yourself by calling and speaking to multiple biased insurance agents, browse through tons of insurance providers, reading countless policies, weighing in rates in addition to coverage, the National Insurance USA Group will relieve you the burden and headache of all of those.

Here at our website, you will get accurate and updated information regarding the plans you want to compare by clicking Compare Medicare Plans & Quotes. You can compare multiple New Jersey Medicare Supplement insurance quotes and plans instantly with just a single click and without paying virtually anything. Also, if you prefer to have another opinion regarding your chosen plan or even want to sign up for one, we have New Jersey Expert Medicare Specialists who are standing by ready to walk you through the Medicare maze every step of the way, and can guide you out of the craziness from what your best options are. You can call our toll-free number now at (855) 230-0801.

New Jersey Medicare Supplement

  • - A -
  • Cities in New Jersey that begin with the letter "A".
  • Absecon, NJ
  • Adelphia, NJ
  • Allamuchy, NJ
  • Allendale, NJ
  • Allenhurst, NJ
  • Allentown, NJ
  • Allenwood, NJ
  • Alloway, NJ
  • Alpine, NJ
  • Andover, NJ
  • Annandale, NJ
  • Asbury, NJ
  • Asbury Park, NJ
  • Atco, NJ
  • Atlantic City, NJ
  • Atlantic Highlands, NJ
  • Audubon, NJ
  • Augusta, NJ
  • Avalon, NJ
  • Avenel, NJ
  • Avon By The Sea, NJ
  • - B -
  • Cities in New Jersey that begin with the letter "B".
  • Baptistown, NJ
  • Barnegat, NJ
  • Barnegat Light, NJ
  • Barrington, NJ
  • Basking Ridge, NJ
  • Bayonne, NJ
  • Bayville, NJ
  • Beach Haven, NJ
  • Beachwood, NJ
  • Bedminster, NJ
  • Belford, NJ
  • Belle Mead, NJ
  • Belleville, NJ
  • Bellmawr, NJ
  • Belmar, NJ
  • Belvidere, NJ
  • Bergenfield, NJ
  • Berkeley Heights, NJ
  • Berlin, NJ
  • Bernardsville, NJ
  • Beverly, NJ
  • Birmingham, NJ
  • Blackwood, NJ
  • Blairstown, NJ
  • Blawenburg, NJ
  • Bloomfield, NJ
  • Bloomingdale, NJ
  • Bloomsbury, NJ
  • Bogota, NJ
  • Boonton, NJ
  • Bordentown, NJ
  • Bound Brook, NJ
  • Bradley Beach, NJ
  • Branchville, NJ
  • Brick, NJ
  • Bridgeport, NJ
  • Bridgeton, NJ
  • Bridgewater, NJ
  • Brielle, NJ
  • Brigantine, NJ
  • Broadway, NJ
  • Brookside, NJ
  • Browns Mills, NJ
  • Budd Lake, NJ
  • Buena, NJ
  • Burlington, NJ
  • Butler, NJ
  • Buttzville, NJ
  • - C -
  • Cities in New Jersey that begin with the letter "C".
  • Caldwell, NJ
  • Califon, NJ
  • Camden, NJ
  • Cape May, NJ
  • Cape May Court House, NJ
  • Cape May Point, NJ
  • Carlstadt, NJ
  • Carteret, NJ
  • Cedar Brook, NJ
  • Cedar Grove, NJ
  • Cedar Knolls, NJ
  • Cedarville, NJ
  • Changewater, NJ
  • Chatham, NJ
  • Chatsworth, NJ
  • Cherry Hill, NJ
  • Chester, NJ
  • Chesterfield, NJ
  • Clark, NJ
  • Clarksboro, NJ
  • Clayton, NJ
  • Clementon, NJ
  • Cliffside Park, NJ
  • Cliffwood, NJ
  • Clifton, NJ
  • Clinton, NJ
  • Closter, NJ
  • Collingswood, NJ
  • Cologne, NJ
  • Colonia, NJ
  • Colts Neck, NJ
  • Columbia, NJ
  • Columbus, NJ
  • Convent Station, NJ
  • Cookstown, NJ
  • Cranbury, NJ
  • Cranford, NJ
  • Cream Ridge, NJ
  • Cresskill, NJ
  • - D -
  • Cities in New Jersey that begin with the letter "D".
  • Dayton, NJ
  • Deal, NJ
  • Deepwater, NJ
  • Deerfield Street, NJ
  • Delaware, NJ
  • Delmont, NJ
  • Demarest, NJ
  • Dennisville, NJ
  • Denville, NJ
  • Deptford, NJ
  • Dividing Creek, NJ
  • Dorchester, NJ
  • Dorothy, NJ
  • Dover, NJ
  • Dumont, NJ
  • Dunellen, NJ
  • - E -
  • Cities in New Jersey that begin with the letter "E".
  • East Brunswick, NJ
  • East Hanover, NJ
  • East Orange, NJ
  • East Rutherford, NJ
  • Eatontown, NJ
  • Edgewater, NJ
  • Edison, NJ
  • Egg Harbor City, NJ
  • Egg Harbor Township, NJ
  • Elizabeth, NJ
  • Elizabethport, NJ
  • Elmer, NJ
  • Elmwood Park, NJ
  • Elwood, NJ
  • Emerson, NJ
  • Englewood, NJ
  • Englewood Cliffs, NJ
  • Englishtown, NJ
  • Essex Fells, NJ
  • Estell Manor, NJ
  • Ewan, NJ
  • - F -
  • Cities in New Jersey that begin with the letter "F".
  • Fair Haven, NJ
  • Fair Lawn, NJ
  • Fairfield, NJ
  • Fairton, NJ
  • Fairview, NJ
  • Fanwood, NJ
  • Far Hills, NJ
  • Farmingdale, NJ
  • Flagtown, NJ
  • Flanders, NJ
  • Flemington, NJ
  • Florence, NJ
  • Florham Park, NJ
  • Fords, NJ
  • Forked River, NJ
  • Fort Lee, NJ
  • Fort Monmouth, NJ
  • Fortescue, NJ
  • Franklin, NJ
  • Franklin Lakes, NJ
  • Franklin Park, NJ
  • Franklinville, NJ
  • Freehold, NJ
  • Frenchtown, NJ
  • - G -
  • Cities in New Jersey that begin with the letter "G".
  • Garfield, NJ
  • Garwood, NJ
  • Gibbsboro, NJ
  • Gibbstown, NJ
  • Gillette, NJ
  • Gladstone, NJ
  • Glassboro, NJ
  • Glasser, NJ
  • Glen Gardner, NJ
  • Glen Ridge, NJ
  • Glen Rock, NJ
  • Glendora, NJ
  • Glenwood, NJ
  • Gloucester City, NJ
  • Goshen, NJ
  • Great Meadows, NJ
  • Green Creek, NJ
  • Green Village, NJ
  • Greendell, NJ
  • Greenwich, NJ
  • Grenloch, NJ
  • - H -
  • Cities in New Jersey that begin with the letter "H".
  • Hackensack, NJ
  • Hackettstown, NJ
  • Haddon Heights, NJ
  • Haddonfield, NJ
  • Hainesport, NJ
  • Haledon, NJ
  • Hamburg, NJ
  • Hammonton, NJ
  • Hampton, NJ
  • Hancocks Bridge, NJ
  • Harrington Park, NJ
  • Harrison, NJ
  • Harrisonville, NJ
  • Hasbrouck Heights, NJ
  • Haskell, NJ
  • Haworth, NJ
  • Hawthorne, NJ
  • Hazlet, NJ
  • Heislerville, NJ
  • Helmetta, NJ
  • Hewitt, NJ
  • Hibernia, NJ
  • High Bridge, NJ
  • Highland Lakes, NJ
  • Highland Park, NJ
  • Highlands, NJ
  • Hightstown, NJ
  • Hillsborough, NJ
  • Hillsdale, NJ
  • Hillside, NJ
  • Ho Ho Kus, NJ
  • Hoboken, NJ
  • Holmdel, NJ
  • Hopatcong, NJ
  • Hope, NJ
  • Hopewell, NJ
  • Howell, NJ
  • - I -
  • Cities in New Jersey that begin with the letter "I".
  • Imlaystown, NJ
  • Ironia, NJ
  • Irvington, NJ
  • Iselin, NJ
  • Island Heights, NJ
  • - J -
  • Cities in New Jersey that begin with the letter "J".
  • Jackson, NJ
  • Jersey City, NJ
  • Jobstown, NJ
  • Johnsonburg, NJ
  • Joint Base Mdl, NJ
  • Juliustown, NJ
  • - K -
  • Cities in New Jersey that begin with the letter "K".
  • Keansburg, NJ
  • Kearny, NJ
  • Keasbey, NJ
  • Kendall Park, NJ
  • Kenilworth, NJ
  • Kenvil, NJ
  • Keyport, NJ
  • Kingston, NJ
  • - L -
  • Cities in New Jersey that begin with the letter "L".
  • Lafayette, NJ
  • Lake Hiawatha, NJ
  • Lake Hopatcong, NJ
  • Lakehurst, NJ
  • Lakewood, NJ
  • Lambertville, NJ
  • Landing, NJ
  • Landisville, NJ
  • Lanoka Harbor, NJ
  • Lavallette, NJ
  • Lawnside, NJ
  • Lawrence Township, NJ
  • Layton, NJ
  • Lebanon, NJ
  • Ledgewood, NJ
  • Leeds Point, NJ
  • Leesburg, NJ
  • Leonardo, NJ
  • Leonia, NJ
  • Liberty Corner, NJ
  • Lincoln Park, NJ
  • Lincroft, NJ
  • Linden, NJ
  • Linwood, NJ
  • Little Falls, NJ
  • Little Ferry, NJ
  • Little Silver, NJ
  • Little York, NJ
  • Livingston, NJ
  • Lodi, NJ
  • Long Branch, NJ
  • Long Valley, NJ
  • Longport, NJ
  • Lumberton, NJ
  • Lyndhurst, NJ
  • Lyons, NJ
  • - M -
  • Cities in New Jersey that begin with the letter "M".
  • Madison, NJ
  • Magnolia, NJ
  • Mahwah, NJ
  • Malaga, NJ
  • Manahawkin, NJ
  • Manasquan, NJ
  • Manchester Township, NJ
  • Mantoloking, NJ
  • Mantua, NJ
  • Manville, NJ
  • Maple Shade, NJ
  • Maplewood, NJ
  • Margate City, NJ
  • Marlboro, NJ
  • Marlton, NJ
  • Marmora, NJ
  • Martinsville, NJ
  • Matawan, NJ
  • Mauricetown, NJ
  • Mays Landing, NJ
  • Maywood, NJ
  • Mc Afee, NJ
  • Medford, NJ
  • Mendham, NJ
  • Merchantville, NJ
  • Metuchen, NJ
  • Mickleton, NJ
  • Middlesex, NJ
  • Middletown, NJ
  • Middleville, NJ
  • Midland Park, NJ
  • Milford, NJ
  • Millburn, NJ
  • Millington, NJ
  • Millstone Township, NJ
  • Milltown, NJ
  • Millville, NJ
  • Milmay, NJ
  • Mine Hill, NJ
  • Minotola, NJ
  • Mizpah, NJ
  • Monmouth Beach, NJ
  • Monmouth Junction, NJ
  • Monroe Township, NJ
  • Monroeville, NJ
  • Montague, NJ
  • Montclair, NJ
  • Montvale, NJ
  • Montville, NJ
  • Moonachie, NJ
  • Moorestown, NJ
  • Morganville, NJ
  • Morris Plains, NJ
  • Morristown, NJ
  • Mount Arlington, NJ
  • Mount Ephraim, NJ
  • Mount Freedom, NJ
  • Mount Holly, NJ
  • Mount Laurel, NJ
  • Mount Royal, NJ
  • Mount Tabor, NJ
  • Mountain Lakes, NJ
  • Mountainside, NJ
  • Mullica Hill, NJ
  • - N -
  • Cities in New Jersey that begin with the letter "N".
  • National Park, NJ
  • Navesink, NJ
  • Neptune, NJ
  • Neshanic Station, NJ
  • Netcong, NJ
  • New Brunswick, NJ
  • New Egypt, NJ
  • New Gretna, NJ
  • New Lisbon, NJ
  • New Milford, NJ
  • New Providence, NJ
  • New Vernon, NJ
  • Newark, NJ
  • Newfield, NJ
  • Newfoundland, NJ
  • Newport, NJ
  • Newton, NJ
  • Newtonville, NJ
  • Norma, NJ
  • Normandy Beach, NJ
  • North Arlington, NJ
  • North Bergen, NJ
  • North Brunswick, NJ
  • Northfield, NJ
  • Northvale, NJ
  • Norwood, NJ
  • Nutley, NJ
  • - O -
  • Cities in New Jersey that begin with the letter "O".
  • Oak Ridge, NJ
  • Oakhurst, NJ
  • Oakland, NJ
  • Oaklyn, NJ
  • Ocean City, NJ
  • Ocean Gate, NJ
  • Ocean Grove, NJ
  • Ocean View, NJ
  • Oceanport, NJ
  • Oceanville, NJ
  • Ogdensburg, NJ
  • Old Bridge, NJ
  • Oldwick, NJ
  • Oradell, NJ
  • Orange, NJ
  • Oxford, NJ
  • - P -
  • Cities in New Jersey that begin with the letter "P".
  • Palisades Park, NJ
  • Palmyra, NJ
  • Paramus, NJ
  • Park Ridge, NJ
  • Parlin, NJ
  • Parsippany, NJ
  • Passaic, NJ
  • Paterson, NJ
  • Paulsboro, NJ
  • Peapack, NJ
  • Pedricktown, NJ
  • Pemberton, NJ
  • Pennington, NJ
  • Penns Grove, NJ
  • Pennsauken, NJ
  • Pennsville, NJ
  • Pequannock, NJ
  • Perth Amboy, NJ
  • Phillipsburg, NJ
  • Picatinny Arsenal, NJ
  • Pine Beach, NJ
  • Pine Brook, NJ
  • Piscataway, NJ
  • Pitman, NJ
  • Pittstown, NJ
  • Plainfield, NJ
  • Plainsboro, NJ
  • Pleasantville, NJ
  • Pluckemin, NJ
  • Point Pleasant Beach, NJ
  • Pomona, NJ
  • Pompton Lakes, NJ
  • Pompton Plains, NJ
  • Port Elizabeth, NJ
  • Port Monmouth, NJ
  • Port Murray, NJ
  • Port Norris, NJ
  • Port Reading, NJ
  • Port Republic, NJ
  • Pottersville, NJ
  • Princeton, NJ
  • Princeton Junction, NJ
  • - Q -
  • Cities in New Jersey that begin with the letter "Q".
  • Quakertown, NJ
  • Quinton, NJ
  • - R -
  • Cities in New Jersey that begin with the letter "R".
  • Rahway, NJ
  • Ramsey, NJ
  • Rancocas, NJ
  • Randolph, NJ
  • Raritan, NJ
  • Readington, NJ
  • Red Bank, NJ
  • Richland, NJ
  • Richwood, NJ
  • Ridgefield, NJ
  • Ridgefield Park, NJ
  • Ridgewood, NJ
  • Ringoes, NJ
  • Ringwood, NJ
  • Rio Grande, NJ
  • River Edge, NJ
  • Riverdale, NJ
  • Riverside, NJ
  • Riverton, NJ
  • Rochelle Park, NJ
  • Rockaway, NJ
  • Rocky Hill, NJ
  • Roebling, NJ
  • Roosevelt, NJ
  • Roseland, NJ
  • Roselle, NJ
  • Roselle Park, NJ
  • Rosemont, NJ
  • Rosenhayn, NJ
  • Rumson, NJ
  • Runnemede, NJ
  • Rutherford, NJ
  • - S -
  • Cities in New Jersey that begin with the letter "S".
  • Saddle Brook, NJ
  • Saddle River, NJ
  • Salem, NJ
  • Sayreville, NJ
  • Schooleys Mountain, NJ
  • Scotch Plains, NJ
  • Sea Girt, NJ
  • Sea Isle City, NJ
  • Seaside Heights, NJ
  • Seaside Park, NJ
  • Secaucus, NJ
  • Sergeantsville, NJ
  • Sewaren, NJ
  • Sewell, NJ
  • Shiloh, NJ
  • Short Hills, NJ
  • Shrewsbury, NJ
  • Sicklerville, NJ
  • Skillman, NJ
  • Somerdale, NJ
  • Somers Point, NJ
  • Somerset, NJ
  • Somerville, NJ
  • South Amboy, NJ
  • South Bound Brook, NJ
  • South Dennis, NJ
  • South Hackensack, NJ
  • South Orange, NJ
  • South Plainfield, NJ
  • South River, NJ
  • South Seaville, NJ
  • Sparta, NJ
  • Spotswood, NJ
  • Spring Lake, NJ
  • Springfield, NJ
  • Stanhope, NJ
  • Stanton, NJ
  • Stewartsville, NJ
  • Stillwater, NJ
  • Stirling, NJ
  • Stockholm, NJ
  • Stockton, NJ
  • Stone Harbor, NJ
  • Stratford, NJ
  • Strathmere, NJ
  • Succasunna, NJ
  • Summit, NJ
  • Sussex, NJ
  • Swartswood, NJ
  • Swedesboro, NJ
  • - T -
  • Cities in New Jersey that begin with the letter "T".
  • Teaneck, NJ
  • Tenafly, NJ
  • Tennent, NJ
  • Teterboro, NJ
  • Thorofare, NJ
  • Three Bridges, NJ
  • Titusville, NJ
  • Toms River, NJ
  • Totowa, NJ
  • Towaco, NJ
  • Township Of Washington, NJ
  • Tranquility, NJ
  • Trenton, NJ
  • Tuckahoe, NJ
  • Tuckerton, NJ
  • - U -
  • Cities in New Jersey that begin with the letter "U".
  • Union, NJ
  • Union City, NJ
  • - V -
  • Cities in New Jersey that begin with the letter "V".
  • Vauxhall, NJ
  • Ventnor City, NJ
  • Vernon, NJ
  • Verona, NJ
  • Vienna, NJ
  • Villas, NJ
  • Vincentown, NJ
  • Vineland, NJ
  • Voorhees, NJ
  • - W -
  • Cities in New Jersey that begin with the letter "W".
  • Waldwick, NJ
  • Wallington, NJ
  • Wallpack Center, NJ
  • Wanaque, NJ
  • Waretown, NJ
  • Warren, NJ
  • Washington, NJ
  • Watchung, NJ
  • Waterford Works, NJ
  • Wayne, NJ
  • Weehawken, NJ
  • Wenonah, NJ
  • West Berlin, NJ
  • West Creek, NJ
  • West Long Branch, NJ
  • West Milford, NJ
  • West New York, NJ
  • West Orange, NJ
  • Westfield, NJ
  • Westville, NJ
  • Westwood, NJ
  • Wharton, NJ
  • Whippany, NJ
  • Whitehouse, NJ
  • Whitehouse Station, NJ
  • Whitesboro, NJ
  • Wickatunk, NJ
  • Wildwood, NJ
  • Williamstown, NJ
  • Willingboro, NJ
  • Windsor, NJ
  • Winslow, NJ
  • Wood Ridge, NJ
  • Woodbine, NJ
  • Woodbridge, NJ
  • Woodbury Heights, NJ
  • Woodcliff Lake, NJ
  • Woodstown, NJ
  • Wrightstown, NJ
  • Wyckoff, NJ
  • - Z -
  • Cities in New Jersey that begin with the letter "Z".
  • Zarephath, NJ

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