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New Jersey Medicare Advantage

The following is a list of Medicare Advantage Plans that we offer for the state of New Jersey. Seniors looking to enroll should contact us before or during the Medicare Annual Enrollment Period.

Speaking with an agent is FREE and we highly recommend you do so when looking to select a plan, as you could pay too much for coverage that you do not need.

Our licensed insurance agents will take the time to review your current life, health, and retirement situation in order to help you make the best decision.

Medicare Advantage Plans for 2021 in NJ

IBC Keystone 65 Basic Rx HMO
IBC Keystone 65 Focus Rx HMO
IBC Keystone 65 Select HMO
IBC Personal Choice 65 PPO

Advantra Gold PPO
Advantra One PPO
Advantra Silver HMO

Aetna Medicare Choice Plan HMO
Aetna Medicare Silver Plan HMO
Aetna Medicare Gold Plan PPO
Aetna Medicare Main Line Health Prime Plan HMO
Aetna Medicare Premier Plan HMO (Bucks, Chester, Delaware, Montgomery)
Aetna Medicare Basic Plan HMO (Bucks only)
Aetna Medicare Standard Plan HMO (Bucks, Chester, Delaware, Montgomery)
Aetna Medicare Standard Plan HMO (Philadelphia)

Prescription Plans

Envision RxPlus PDP

Aetna Medicare Rx Saver PDP
Aetna Medicare Rx Select PDP

Humana Walmart Rx Plan PDP
Humana Preferred Rx Plan PDP
Humana Enhanced PDP

First Health Part D Value Plus PDP

SilverScript Choice PDP
SilverScript Plus PDP

Medigap Carriers
Cigna Health and Life
Aetna Health and Life
American Retirement Life Insurance Co.
Loyal American Life Insurance Co.
Mutual of Omaha
CSI Life
Philadelphia American
New Era
Manhattan Life
United of Omaha

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More About New Jersey Advantage Plan Enrollment

When you are getting closer to the retirement time, there are a lot of questions that may come up. Sometimes, it can be difficult to understand everything that is happening around you, what pros and cons are in every action you decide on taking regarding your retirement.

For instance, one of the parts that you really need to take into consideration when you’re heading into retirement is connected to Medicare. You’re wondering what you should do, which part is more suitable for your needs because there are multiple: Part A, Part B and Part D and Medicare Advantage.

It depends what you want to choose – you can opt for one part that is more traditional, like Part A, B, etc. or you can choose the Medicare Advantage option. But before deciding on any of this, you need to know more details in order to make the proper decision for your life. So, keep on reading!

What Is Medicare Advantage?

It is an alternative health insurance route that provides prescription and medical coverage – it is also referred to as Part C plan. Furthermore, this is all done by insurance companies that are private. Medicare Advantage has to be paid monthly, but it consolidates all your insurance in one single policy.

So, this is slightly different from the rest of the health insurances that ask you to pay for every single medical service you get. Moreover, in order to get Medicare Advantage, it is needed to sign up to Part A and Part B.

Type of Plans

There are a few NJ Medicare Advantage plans, but some of them are worth mentioning because they are the most used by people. The first ones are called the Health Maintenance Organization or HMO plans, private fee-of-service or PFFS and PPO plan that means Preferred Provider Organization.

Are You Eligible for Medicare Advantage?

As already mentioned, in order to benefit from Medicare Advantage, you need to have the other Medicare plans, more specifically the A and B options. Also, you must live in the area where the plan is available, and you must not suffer from a renal disease that is in its final stage.

How do I enroll in Medicare Advantage in New Jersey?

Contact an agent to discuss your current health and financial situation, since it is free.

  • Pros

This health insurance may cover certain aspects that your other plans won’t. For instance, under certain circumstances, it can cover vision and dental care. These aren’t covered by part A and part B of Medicare.

When you enroll in Medicare Advantage, you will receive a plan that comes with an out-of-pocket limit. This means that you have a specific money limit per year and if you surpass that limit, you will not be paying anything more. Keep in mind that this varies from plan to plan and from year to year as it can change, and it also depends on each personal situation.

  • Cons

Even though there aren’t as many cons, it’s important to know them, in order for you to make a decision that will fit your needs perfectly. As Medicare Advantage is being administered through a private insurance company, certain prices and regulations may differ. For example, in order to get some medical expenses covered, depending on the insurance company, you can be asked to get a referral from your doctor, which can be difficult sometimes. Furthermore, they can even ask you to change the doctor for one that fits better with their methods and requirements.

Finally, before deciding to enroll in Medicare Advantage, you should make sure you follow certain guidelines that are required in order for this plan to work. Firstly, you need to check if your hospital or doctor accepts this type of insurance. If not, maybe you should change your healthcare provider.

Additionally, you must know that it is necessary to remain in the plan for a whole year in order to benefit from it.

All in all, make sure you get well informed before making this decision. Also, be aware of any changes that can take place – for instance, every year, the plan can suffer changes regarding the provider networks, benefits and sometimes it can end up in finishing their contract with the company. So, try to be up to date with all these changes because they can affect you.

Last, but not least, remember that you should always take care of your health. So, do your research and try to discover a health insurance plan that works best for your needs, budget and (eventually) existing conditions.