Medicare insurance help in New Jersey

Every fall, Medicare plans can change their premiums, drug lists, doctor networks and out-of-pocket limits for the next year. That is why Jackie reviews each client's coverage before the Annual Enrollment Period closes on December 7. Here is what the CMS 2027 plan files show for Camden County and its neighbors.

• Plan choice. Camden County has 41 standard Medicare Advantage plans from 10 insurance companies for 2027, Burlington County has 39 and Gloucester County has 39. 33 of the Camden County plans have a $0 Part C premium (you still pay your Part B premium).
• Out-of-pocket limits. The most you could pay for covered in-network care in a year ranges from $4,150 to $9,850 in Camden County. Two plans with the same $0 premium can differ by thousands of dollars, which matters most in a year with a hospital stay.
• Part D changes. The standard Part D deductible rises from $615 in 2026 to $700 in 2027, and the yearly cap on what you pay for covered drugs rises from $2,100 to $2,400 (CMS 2027 Part D parameters). New Jersey has 11 standalone Part D plans for 2027.
• Medicare Supplement stays put. A Medigap policy does not change its benefits each fall, but premiums can rise. If yours has, Jackie can check what switching would take under New Jersey's rules (Medigap rules in New Jersey).

A review with Jackie checks your current plan against these changes: your prescriptions on each plan's drug list, your doctors and hospitals in network, and your likely total cost for the year, not just the premium. Bring your Annual Notice of Change letter if you have one. The annual review checklist shows what to gather.

Source: CMS Medicare Advantage and Part D Landscape files, contract year 2027 (cms.gov). Standard plan counts exclude special needs plans.