What is the best Medicare Supplement plan in New Jersey in 2026?

Plan G is the most popular Medicare Supplement plan in New Jersey for new enrollees in 2026. It covers everything Medicare covers except the Part B deductible ($257 in 2026), giving you near-zero out-of-pocket costs with any doctor who accepts Medicare. For those who qualify, Plan N offers lower premiums with small copays.

How much does Medicare Supplement Plan G cost in New Jersey?

Medicare Supplement Plan G premiums in New Jersey typically range from $130 to $220 per month for a 65-year-old, depending on the carrier and your county. New Jersey uses community rating, which means premiums are the same regardless of your age — a significant advantage for older enrollees compared to most other states.

Does New Jersey have special Medigap enrollment rules?

Yes. New Jersey is one of a small number of states that requires insurance companies to offer Medigap plans to Medicare beneficiaries year-round regardless of health status, thanks to guaranteed issue protections under state law. This means you cannot be denied a Medigap plan in New Jersey due to a pre-existing condition.

What is the difference between Medigap Plan G and Plan N in New Jersey?

Plan G covers all Medicare cost-sharing except the Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 per doctor visit and up to $50 per ER visit. Plan N typically costs $20–$40 less per month than Plan G, making it a good option if you rarely visit specialists.

Can I keep my doctors with a Medicare Supplement plan in New Jersey?

Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Original Medicare — there are no networks. This is a key advantage over Medicare Advantage plans, which restrict you to in-network providers. For NJ residents who want maximum flexibility, including when traveling or visiting specialists at major academic medical centers, Medigap is often the better choice.

When is the best time to enroll in a Medicare Supplement plan in New Jersey?

The best time to enroll is during your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Medicare Part B. During this window you cannot be turned down or charged more due to health conditions. However, because New Jersey has year-round guaranteed issue, you have more flexibility than beneficiaries in most other states.

Which companies offer Medicare Supplement plans in New Jersey?

Major carriers offering Medigap plans in New Jersey include Aetna, Cigna, Mutual of Omaha, United American, Horizon Blue Cross Blue Shield of New Jersey, and several others. Rates and plan availability vary by carrier and zip code. An independent broker like MedicareYourself can compare all available options for you at no cost.

What is the NJ SHIP program and how can it help me?

The New Jersey State Health Insurance Assistance Program (SHIP NJ) is a free, unbiased counseling service funded by the federal government. SHIP counselors can explain your Medicare options and rights. You can reach NJ SHIP at 1-800-792-8820. MedicareYourself works alongside SHIP to provide additional carrier comparisons and enrollment assistance.

Best Medicare Supplement Plans in New Jersey (2026)

The short answer: Plan G is the best Medicare Supplement plan for most New Jersey residents in 2026. It covers nearly all out-of-pocket Medicare costs, lets you use any doctor who accepts Medicare, and costs $130–$220/month depending on your carrier and county.

New Jersey has important state-specific Medigap protections that most other states lack — including year-round guaranteed issue rights. Below we explain your options, current rates, top carriers, and the NJ rules that work in your favor.

Last reviewed: March 2026 · Data sourced from CMS.gov and NJ Department of Banking and Insurance

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New Jersey's Medigap Advantage: What Makes NJ Different

Community Rating

NJ requires community rating — your Medigap premium is the same at 65 as it is at 80. In most states, premiums rise with age. This protects long-term affordability.

Year-Round Guaranteed Issue

Unlike most states, NJ insurers cannot deny you a Medigap plan or charge more based on health conditions at any time of year — not just during open enrollment.

DOBI Oversight

The NJ Department of Banking and Insurance (DOBI) regulates all Medigap plans sold in the state. File complaints at dobi.nj.gov or call 1-800-446-7467.

Medigap Plans Available in New Jersey (2026)

All plans are standardized by CMS — Plan G from Aetna covers the same benefits as Plan G from any other carrier. The only difference is price and customer service.

Plan	What It Covers	Best For
Plan A	Basic benefits only	Very healthy, minimal use
Plan B	Basic + Part A deductible	Low hospital risk
Plan GMost Popular	Everything except Part B deductible	Most people — best value
Plan N	Plan G minus small copays	Healthy, want lower premiums
Plan K	50% cost-sharing up to out-of-pocket max	Younger, very healthy
Plan L	75% cost-sharing up to out-of-pocket max	Budget-conscious, healthy

Source: CMS Medicare Supplement standardized plans. Plan F is only available to those who became Medicare-eligible before January 1, 2020.

Medicare Supplement Questions — New Jersey

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