Medicare in New Jersey
This article was updated on: 09/16/2018
plans. Medicare.com can provide resources so you can compare plans in your area and decide what works for you.
About Medicare in New Jersey
Eligible Medicare beneficiaries in New Jersey can enroll in Original Medicare (Part A and Part B) or join a private version of that insurance called a Medicare Advantage plan (also called Medicare Part C). These plans are legally required to offer everything that’s covered under Part A and Part B, but may include other benefits such as routine vision, dental, hearing, and prescription drug coverage.
Types of Medicare coverage in New Jersey
Original Medicare provides inpatient hospital care coverage under Medicare Part A; doctor services, some preventive care, and durable medical equipment are covered through Medicare Part B.
Medicare Advantage plans (Medicare Part C) are available through private insurance companies that are approved by Medicare. When joining a Medicare Advantage plan, you should explore all available options so you can find the one that may work best for your needs.
Medicare Part D is prescription drug coverage that can be purchased as a stand-alone Medicare Prescription Drug Plan (PDP) that works alongside your Original Medicare coverage or within a Medicare Advantage Prescription Drug plan (MAPD) that includes all of your Medicare coverage under a single plan.
Medicare Supplement insurance plans cover “gaps” in Original Medicare, Part A and Part B, insurance, like deductibles, copayments, and, in some instances, foreign travel emergency health coverage. Most states (including New Jersey) offer up to 10 Medicare Supplement plans, though not every insurance company may offer all 10. Each plan is labeled with a letter and plan details are standardized, meaning that Plan A benefits, for example, are the same no matter where you purchase it.
Local resources for Medicare in New Jersey
- Medicare Savings Programs in New Jersey: Those with limited financial resources and assets may be eligible for a New Jersey Medicare Savings Programs. These plans can help cover some of your out-of-pocket expenses for health care. For more information on eligibility or to apply, contact your state Medicaid department (Medicaid.gov).
- New Jersey State Health Insurance Counseling and Assistance Program (SHIP): The State Health Insurance Assistance Program (SHIP) provides free help to New Jersey residents who have questions about Medicare. This program makes volunteer counselors available to help beneficiaries make informed decisions about Medicare and their health care. Visit Shiptacenter.org to find the contact info for your state.
How to apply for Medicare in New Jersey
Applying for Medicare in New Jersey works the same as any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. You can enroll in person by visiting your local Social Security Administration office, by registering online at SSA.gov, or over the phone.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
New Jersey residents could be enrolled automatically once they reach age 65, provided they already receive retirement benefits through Social Security or the Railroad Retirement Board. Disabled residents can be enrolled sooner if they receive Social Security disability benefits, or certain disability benefits from the Railroad Retirement Board, for 24 consecutive months; those who qualify for Medicare because of disability will be automatically enrolled in the 25th month of receiving disability benefits. Additionally, if you have Lou Gehrig’s Disease (also known as ALS) or end-stage renal disease (ESRD), you may qualify for enrollment prior to age 65.
Of course, what I’ve given you here is a general outline of Medicare in New Jersey. To find out what actual plans are available and their prices, you have a few options:
- To learn about me and why I enjoy helping Medicare beneficiaries, click on the “View profile” link below my photo.
- Set up an appointment to talk with me about your needs; just use the Schedule a Phone Call link underneath my photo below.
- Use the email link right next to it, and I’ll send you some Medicare plan options.
- Compare plans on your own right now by clicking the Compare Plans button on the right side of this page.