New Jersey Medigap plans (also called Medicare Supplement plans) cover the gaps in Original Medicare, including deductibles, copays, and coinsurance that would otherwise come out of your pocket. This comprehensive New Jersey Medigap guide covers available plans, average premiums, top carriers, the birthday rule, guaranteed issue rights, and how to choose between Plan G, Plan N, and other options. Whether you are approaching your initial Medigap Open Enrollment or considering a plan switch, understanding New Jersey Medigap rules helps you make a confident decision.
All information verified against CMS data and state sources as of April 2026.
In This New Jersey Medigap Guide:
Medigap Plans Available in New Jersey
Standardized plans: A, B, C, D, F, G, K, L, M, N
Every Medigap plan with the same letter provides identical benefits regardless of which carrier sells it. Plan G from one company covers the exact same medical costs as Plan G from another company. The only difference is the premium and the customer service experience. This standardization makes comparison shopping straightforward.
Plan F: Still available in New Jersey for beneficiaries who became eligible for Medicare before January 1, 2020. Plan F covers all gaps including the Part B deductible. New enrollees after 2020 cannot purchase Plan F.
High-Deductible Plan G: Available in New Jersey. You pay a higher annual deductible before benefits kick in, but monthly premiums are significantly lower than standard Plan G.
New Jersey Medigap Rates: Plan G & Plan N
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $165/mo | Varies | Varies |
| Plan N | $115/mo | Varies | Varies |
These are approximate averages. Your actual premium depends on your carrier, zip code, age, gender, and tobacco use. Always compare quotes from at least three carriers before choosing.
How New Jersey Medigap Pricing Works
New Jersey uses attained-age-rated Medigap pricing. Your premium increases as you age. This means your Medigap costs will rise over time, making it especially important to compare rates annually and switch carriers during open enrollment windows if available.
Household discount: Many Medigap carriers in New Jersey offer 5-12% household or spousal discounts when two people in the same household both have Medigap policies.
Plan G vs Plan N in New Jersey
Plan G and Plan N are the two most popular Medigap plans in New Jersey. Here is how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | Not covered (you pay $240/year in 2026) | Not covered |
| Part B Copay | Covered (no copays) | Up to $20 copay for office visits, up to $50 for ER visits not resulting in admission |
| Part B Excess Charges | Covered | Not covered |
| Monthly Premium | Higher | Lower (typically 15-25% less than Plan G) |
| Best For | Predictable costs, no copays | Lower premiums, okay with small copays |
Bottom line: If you want the most comprehensive coverage with no copays at the doctor, choose Plan G. If you prefer lower monthly premiums and do not mind occasional $20 copays, Plan N offers strong coverage at a lower cost.
Top Medigap Carriers in New Jersey
Top Medigap carriers in New Jersey:
- AARP/UnitedHealthcare
- Horizon Blue Cross Blue Shield of New Jersey
- Mutual of Omaha
- Cigna/HealthSpring
- Bankers Fidelity
Bankers Fidelity typically offers among the lowest Plan G premiums in New Jersey. However, the cheapest carrier varies by zip code and age bracket.
When comparing Medigap carriers, the benefits are identical for the same plan letter. Focus on premium cost, AM Best financial strength rating (A or higher is strong), customer service reputation, and rate increase history.
Rate increase trend: New Jersey Medigap carriers have historically had above average rate increases compared to the national average.
New Jersey Medigap Switching Rights
New Jersey birthday rule: During your birthday month (30-day window), you can switch to a Medigap plan with equal or lesser benefits without medical underwriting. No health questions required. You cannot upgrade to a higher-benefit plan through this rule. This annual switching window allows you to change Medigap plans without medical underwriting, potentially finding lower premiums.
Guaranteed Issue Rights in New Jersey
Federal law provides guaranteed issue rights in specific situations where you can buy a Medigap plan without medical underwriting:
- Losing employer/union coverage
- Your Medicare Advantage plan leaves your area
- You joined an MA plan when first eligible and want to switch back within 12 months (trial right)
- Your Medigap carrier goes bankrupt
New Jersey-specific guaranteed issue protections: Disabled Medicare beneficiaries under age 50 guaranteed issue for Plan D through Horizon BCBS at same rates as age 65+, disabled beneficiaries ages 50-64 guaranteed issue for Plan D from any carrier at age-65 rates, carriers cannot deny or condition coverage based on health status or claims experience
Additional New Jersey Medigap rules: Birthday Rule allows annual Medigap switching during birthday month to equal or lesser plans without underwriting. Mandatory Medigap access for disabled Medicare beneficiaries under 65 at rates no higher than those charged to enrollees age 65 and older. Under-50 disabled beneficiaries get guaranteed issue for Plan D through Horizon BCBS. Ages 50-64 disabled beneficiaries get guaranteed issue for Plan D from any Medigap carrier. Carriers prohibited from discriminating in pricing based on health status, claims experience, or medical condition.
Common Medigap Mistakes in New Jersey
- Missing your OEP: Your 6-month Medigap Open Enrollment Period is your best window. After it closes, carriers can deny you or charge higher premiums based on health.
- Choosing by carrier name alone: Medigap plans are standardized. A well-known brand’s Plan G costs more but covers the exact same benefits as a smaller carrier’s Plan G.
- Ignoring rate increase history: Some carriers offer low introductory rates then raise premiums aggressively. Ask for 5-year rate increase history before buying.
- Not comparing at least 3 carriers: Premium differences of 30-50% between carriers for the same plan letter are common.
- Confusing Medigap with Medicare Advantage: They are different products. You cannot have both simultaneously (except during limited trial rights).
Compare New Jersey Medigap Rates
Ready to compare Medigap plans in New Jersey? Use the official Medicare Plan Finder or contact your local SHIP counselor.
Official Sources & Resources
- Medicare.gov: medicare.gov
- New Jersey Department of Banking and Insurance: https://www.nj.gov/dobi/
- NAIC Medigap Shopping Guide: naic.org
- CMS Medicare & You Handbook: Medicare & You (PDF)
Last verified April 2026. Contact us if you notice outdated information.