Medicare Supplement Insurance (Medigap) plans in New Jersey

Looking for Medicare Supplement (Medigap) insurance in New Jersey? You're in the right place. Below you'll find details about the Medigap plans available to residents of New Jersey, including pricing and benefit comparisons.

Here are the available Medigap plans in New Jersey, including estimated monthly premiums and benefit coverage. All pricing is estimated and may vary by provider and ZIP code.

Available Medigap Plans in New Jersey

Medigap Plan: A

Premiums range from $127-804

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $1,676
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: B

Premiums range from $179-709

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: C

Premiums range from $173-1,022

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $0

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: D

Premiums range from $140-1,054

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: F

Premiums range from $175-973

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $0

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: F

Premiums range from $51-280

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $0

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: G

Premiums range from $139-1,059

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: G

Premiums range from $48-272

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: K

Premiums range from $58-405

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $838 (50% of Part A deductible)
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: L

Premiums range from $102-599

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $419 (25% of Part A deductible)
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: M

Premiums range from $109-321

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $838 (50% of Part A deductible)
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Medigap Plan: N

Premiums range from $100-733

depending on your age, sex, health status, and when you buy.

Copays / Coinsurance

Not specified

Deductibles

Hospital (Part A): $0
Medical (Part B): $257

Doesn't include: $185.00 Standard Part B premium

Plan Benefits

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency

Compare All Medigap Plans

Benefits Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N
Part A coinsurance & hospital costs
Part B copays/coinsurance 50% 75%
Blood (first 3 pints) 50% 75%
Part A hospice 50% 75%
Skilled nursing facility 50% 75%
Part A deductible 50% 75% 50%
Part B deductible
Part B excess charges
Foreign travel emergency 80% 80% 80% 80% 80%

Frequently Asked Questions

Medigap Basics

Medigap (Medicare Supplement Insurance) is private insurance that helps pay some of the healthcare costs that Original Medicare (Parts A and B) doesn't cover, such as copayments, coinsurance, and deductibles. Medigap policies are standardized and sold by private insurance companies.

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This 6-month period starts the first month you're 65 or older and enrolled in Medicare Part B. During this time, you have guaranteed issue rights to buy any Medigap policy sold in your state, regardless of health conditions.

No, it's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan. You must have Original Medicare (Parts A and B) to purchase Medigap. You'll need to decide between Medicare Advantage or Original Medicare with a Medigap policy.

Coverage & Costs

Medigap policies can help pay for:
  • Part A coinsurance and hospital costs
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance
  • Skilled nursing facility care coinsurance
  • Part A and/or Part B deductibles (depending on plan)
  • Part B excess charges (Plans F and G)
  • Foreign travel emergency coverage (most plans)

Medigap premiums vary by insurance company, plan type, location, age, and sometimes health status (if not during guaranteed issue). In addition to your Medigap premium, you'll still pay your monthly Part B premium. Plan G is typically the most popular, with premiums ranging from $100-$300/month depending on your location and age.
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