Data-led articles on 2027 Medicare, Part D, PAAD, Medigap and extra coverage, written for Camden County, South Jersey and the rest of New Jersey and reviewed by Jackie Layser.
Medicare Advantage out-of-pocket maximums in Camden County average $9,115 for 2027, up from $8,291. A hospital indemnity plan pays you cash for each day in the hospital. Here is how it fits.
Medicare Advantage plans charge copays for hospital stays, often per day, up to the plan's yearly out-of-pocket maximum.
For 2027, the average in-network maximum across all Medicare Advantage plans with drug coverage is $9,115 in Camden County, $9,088 in Burlington and $9,082 in Gloucester, each up from 2026.
Camden County has 34 standard Medicare Advantage plans with drug coverage for 2027, and 24 of 27 renewing plans raised their out-of-pocket maximum. Work through this checklist before December 7, 2026.
Medicare open enrollment for 2027 runs October 15 to December 7, 2026. Changes start January 1, 2027.
Camden County has 34 standard Medicare Advantage plans with drug coverage for 2027 from 10 companies, plus 13 Special Needs Plans. In 2026 there were 35 standard plans.
New Jersey's PAAD program caps most prescriptions at $5 for generics and $7 for brands for people with 2026 income under $54,943 single. Senior Gold helps the next income band up. Here is how both work with Part D in 2027.
PAAD (Pharmaceutical Assistance to the Aged and Disabled) is a New Jersey program. Members pay $5 for each covered generic and $7 for each covered brand-name prescription.
PAAD income limits for 2026: under $54,943 single or $62,390 married. You must be 65 or older, or 18 to 64 and getting Social Security disability, and live in New Jersey.
New Jersey has 11 stand-alone Part D plans for 2027, with premiums from $5.30 to $217.90 a month. The drug cost cap rises to $2,400. Here is how to plan.
New Jersey has 11 stand-alone Part D drug plans for 2027, down from 12. The same plans are offered in every New Jersey county.
Monthly premiums run from $5.30 to $217.90. 7 of the 11 plans charge the full $700 drug deductible.
Since July 1, 2026, the Medicare GLP-1 Bridge lets eligible people with Part D get Wegovy, Zepbound KwikPen or Foundayo for weight management for a $50 monthly copay, now through December 31, 2027. Here is who qualifies and how to start.
The Medicare GLP-1 Bridge is a temporary CMS program that runs from July 1, 2026 to December 31, 2027, outside the normal Part D benefit.
It covers Foundayo (tablet), Wegovy (injection or tablet) and Zepbound KwikPen only, for a $50 copay for a one-month supply.
Your Annual Notice of Change lists what your Medicare plan changes on January 1, 2027. In Camden County, 24 of 27 renewing Medicare Advantage plans raised their out-of-pocket maximum. Here is what to look for.
The Annual Notice of Change (ANOC) is the letter or booklet your Medicare Advantage or Part D plan sends by September 30. It compares this year with next year.
In Camden County, 24 of 27 standard Medicare Advantage plans renewing for 2027 raised their in-network out-of-pocket maximum, and 26 raised their drug deductible.
People with both Medicare and NJ FamilyCare, New Jersey's Medicaid, are called dual eligible. Here are the 2026 New Jersey income limits, the help in between, and the 2027 plans built for dual eligibles.
Dual eligible means you have Medicare and NJ FamilyCare (New Jersey Medicaid) at the same time. Medicare pays first; NJ FamilyCare can cover what is left and add services Medicare does not.
For people 65 and older, the NJ FamilyCare Aged, Blind, Disabled (ABD) programs apply. One 2026 route covers single people with income up to $1,330 a month and resources up to $4,000.
The standard Part B premium is $202.90 a month in 2026, the Part B deductible is $283 and the Part A hospital deductible is $1,736. Here is every 2026 Medicare cost, and the New Jersey programs that can cut them.
The standard Part B premium is $202.90 a month in 2026, and the Part B deductible is $283 a year.
The Part A hospital deductible is $1,736 per benefit period in 2026. Most people pay no Part A premium.
At 65, a woman in New Jersey pays $147.88 to $260.98 a month for Medigap Plan G and $106.57 to $174.51 for Plan N on the state's June 2026 chart. Here is what the difference buys you.
Medigap Plan G pays everything Original Medicare leaves except the $283 Part B deductible (2026).
Plan N also leaves the Part B deductible, plus copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to an admission.
Published September 15, 2026 · New Jersey
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Enrollment dates, 2027 plan changes in Camden County and statewide, Part D and drug costs, PAAD and Senior Gold, Medigap prices, NJ FamilyCare and leaving job coverage at 65.
Every figure in an article names its source and year, and links to the exact file or page it came from.
Plan data from CMS files
Plan counts, premiums, deductibles and out-of-pocket limits come from the CMS Medicare Advantage and Part D landscape files for 2027, county by county, and from the CMS plan crosswalk for what changed since 2026.
Costs from CMS and Medicare.gov
Part B premiums, deductibles, the Part D cap and late penalties use the official 2026 figures, and say so when the 2027 amount has not been announced yet.
New Jersey rules from nj.gov
PAAD, Senior Gold, the Medicare Savings Programs, NJ FamilyCare and the state Medigap rate charts are taken from the New Jersey agency pages that publish them, with the exact link.
Reviewed by a licensed agent
Each article is written by the Garden State Medicare Solutions Data Desk and reviewed by Jackie Layser, a licensed Medicare insurance agent helping New Jersey clients since 2008. Worked examples are labelled as illustrations, never as quotes.
Who writes the Garden State Medicare Solutions blog?
Articles are written by the Garden State Medicare Solutions Data Desk and reviewed by Jackie Layser, a licensed Medicare insurance agent who has helped New Jersey clients since 2008.
Where do the numbers in these articles come from?
From official sources: the CMS Medicare plan landscape files for 2027 plan data, CMS and Medicare.gov for 2026 Medicare costs, and New Jersey state agencies for PAAD, Senior Gold, NJ FamilyCare, the Medicare Savings Programs and Medigap prices. Every article lists its sources with links.
Can someone go over my own plan with me?
Yes. Send Jackie a message through the contact page, or call or text (856) 727-4221. Consultations are by phone, Zoom or in person, at no cost to you.
Do you need a consultation?
Tell Jackie about your current situation. Telephone, Zoom or in person, at no cost to you. Call or text (856) 727-4221.
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Content reviewed by Jackie Layser, Licensed Medicare Insurance Agent at Garden State Medicare Solutions, New Jersey, helping Medicare clients since 2008. How we source and review our content.
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