Medicare Supplement Plans in New Jersey

Victoria Burke by Victoria Burke | Licensed since 2011

This article was updated on: 11/01/2018

A Medicare Supplement plan can help cover Medicare out-of-pocket costs such as copayments, coinsurance and deductibles. Medicare Supplement plans in New Jersey are offered by private insurance companies. You may be aware that Original Medicare (Part A and Part B) has no out-of-pocket maximum. If you need extensive medical care under Medicare, you could face thousands of dollars of out-of-pocket expenses without a Medicare Supplement plan in New Jersey.

What does a Medicare Supplement plan in New Jersey cover?

There are up to 10 Medicare Supplement plans in New Jersey labeled A, B, C, D, F, G, K, L, M and N. Medicare Supplement plans in New Jersey are standardized, meaning each plan of the same letter offers the same basic benefits, regardless of which private insurance company offers the plan.

All Medicare Supplement plans in New Jersey cover Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used. Beyond this one benefit, coverage differs.

Medicare Supplement plans in New Jersey may cover:

  • Medicare Part B coinsurance and copayment
  • First three pints of blood
  • Medicare Part A hospice coinsurance or copayment
  • Skilled nursing facility coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergencies up to plan limits

Some things Medicare Supplement plans generally do not cover include:

  • Prescription drugs
  • Routine dental
  • Routine vision
  • Routine hearing

You can get prescription drug coverage through a stand-alone Medicare Part D Prescription Drug Plan.

This Medicare Supplement Plans comparison chart might be helpful as you are comparing Medicare Supplement plans in New Jersey.

Do Medicare Supplement plans in New Jersey provide me an out-of-pocket maximum?

An out-of-pocket maximum gives you the security of knowing that you will typically not have to pay more than a known amount before all of your covered services are paid for.

Medicare Supplement plans K and L in New Jersey have out-of-pocket maximums. After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medicare Supplement plan pays 100% of covered services for the rest of the calendar year.

When should I enroll in a Medicare Supplement plan in New Jersey?

The federal government doesn’t require private insurance companies that sell Medicare Supplements plans to sell them to people under 65.

However, New Jersey is one state that requires insurance companies to sell at least one kind of Medicare Supplement plan to people under 65. Note that if you are under 65 and apply for a Medicare Supplement plan in New Jersey, you may be subjected to medical underwriting. Medical underwriting is when insurers consider your health history and medical problems before deciding to offer you coverage.

If you are 65 or older and enrolled in Medicare Part B, you will be granted a Medicare Supplement Open Enrollment Period. This is a six-month period that begins when you are both 65 or older and enrolled in Medicare Part B. During this period you can generally enroll in any Medicare Supplement plan without being subjected to medical underwriting. This means that a private insurance company can’t deny you coverage because of a health problem.

Would you like to take a look at some of the Medicare Supplement insurance plans available in your area? Just enter your zip code in the box on this page to display a list and start comparing plans.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Victoria Burke |
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