How Much Does Medicare Advantage Cost in New Jersey?
Typical Cost: $0–$100/month (plus Part B premium)
Medicare Advantage plans in New Jersey often have $0 monthly premiums, though you still pay your Part B premium ($185/month in 2026). Plans with richer benefits (lower copays, more dental/vision) typically have higher premiums. Most beneficiaries in New Jersey can find a $0-premium Medicare Advantage plan.
What Affects Medicare Advantage Cost in New Jersey?
- Plan type — HMO plans typically have lower premiums than PPO plans
- Benefit richness — plans with more dental/vision/hearing benefits may have higher premiums
- Location — plan availability and pricing vary significantly by county
- Part B premium — you still pay your Part B premium ($185/month in 2026) regardless of plan premium
- Extra benefits — plans with gym memberships, transportation, and OTC allowances may have higher premiums
- Star rating — higher-rated plans may have different pricing
Frequently Asked Questions
Why do some Medicare Advantage plans have $0 premiums?
Medicare pays insurance companies a set amount per beneficiary to administer Medicare Advantage plans. When that payment exceeds the plan's costs, carriers can offer $0 premiums. You still pay your Part B premium ($185/month in 2026) regardless of the plan premium.
What is included in a Medicare Advantage plan?
Medicare Advantage plans must cover everything Original Medicare covers. Most also include prescription drug coverage (Part D) and extra benefits like dental, vision, hearing, fitness programs, and transportation. Benefits vary by plan.
Can I switch Medicare Advantage plans?
Yes. During the Annual Enrollment Period (Oct 15–Dec 7), you can switch to a different Medicare Advantage plan or return to Original Medicare. During Medicare Advantage Open Enrollment (Jan 1–Mar 31), you can switch to a different MA plan or return to Original Medicare.