D-SNP: 4 plans
For people with both Medicare and NJ FamilyCare (New Jersey Medicaid).
Cape May County, New Jersey
Cape May County, NJ Medicare Plan Guide 2027
Cape May County has the oldest population of any county in this guide. For residents who travel or spend winters elsewhere, the network question comes first.
- 33 Medicare Advantage plans in Cape May County, 2027
- 27 With a $0 Part C premium (18 with $0 for Parts C and D combined)
- 6 Organizations offering plans
- 7 Special Needs Plans, counted separately
Cape May County Medicare at a glance for 2027
- 33 Medicare Advantage plans for Cape May County, Special Needs Plans not counted. Of those, 27 have a $0 Part C premium, and 18 have a $0 combined monthly premium for Parts C and D (11 of those include drug coverage; 7 have no drug coverage, so no Part D premium).
- In-network out-of-pocket maximums from $4,150 to $9,850 a year
- 6 insurance companies offer them
- 11 standalone Part D plans across New Jersey
- You still pay the Part B premium, $202.90 a month in 2026 (the 2027 amount is announced by CMS around November)
- Annual Enrollment: October 15 to December 7, 2026, for coverage that starts January 1, 2027
Examples of plans with drug coverage and a $0 combined monthly premium for Parts C and D, by 2026 star rating and out-of-pocket limit
- HumanaChoice Giveback H7617-045 (PPO)Humana · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $8,000 · drug deductible $700
- Aetna Medicare Signature Extra (HMO)Aetna Medicare · Part C + D premium $0 a month · 4.0★ (2026) · out-of-pocket max $9,850 · drug deductible $700
- HumanaChoice Giveback H5216-319 (PPO)Humana · Part C + D premium $0 a month · 3.5★ (2026) · out-of-pocket max $8,000 · drug deductible $700
CMS Medicare Advantage and Part D Landscape, contract year 2027. A plan's fit depends on your doctors and prescriptions; Jackie checks both before you choose.
The county
Who lives in Cape May County
The Census Bureau counts about 94,900 Cape May County residents, and 29.5% of them, about 28,000 people, are 65 or older, with a median age of 51.8.
CMS lists 33 Medicare Advantage plans for Cape May County in 2027. If you spend part of the year in another state, check how a plan covers care away from home: Medicare Advantage networks are local, while Original Medicare with a Medigap policy works with any provider in the country that accepts Medicare. The acute care hospital in the CMS file is Cooper Norcross University Hospital Cape Regional in Cape May Court House (3 out of 5), with the CMS overall rating shown.
How Jackie helps here. Cape May County clients work with Jackie by phone, on Zoom or in person, including by Zoom while you are away for the winter.
29.5% of Cape May County residents are 65 or older, against 17.2% for New Jersey, and 5.0% have no health insurance.
| Measure | Cape May County | New Jersey |
|---|---|---|
| Population | 94,941 | 9,343,809 |
| Residents aged 65 and over | 28,008 | 1,605,758 |
| Share aged 65 and over | 29.5% | 17.2% |
| Median age | 51.8 | Not shown |
| Median household income | $91,128 | Not shown |
| Share with no health insurance (all ages) | 5.0% | 7.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates: Cape May County, New Jersey.
How old is Cape May County?
Cape May County was created on November 12, 1692, by an act of the General Assembly of West New Jersey. Cape May Court House is the county seat; in 1745 the county bought the Old Baptist Church to use as its courthouse, and the first court met there on May 3, 1745.
Who helps older adults in Cape May County?
The Division of Aging and Disability Services at County Commons, 3801 Route 9 South, Unit 4, Rio Grande (609-886-2784), runs information and assistance, lunch at three senior centers, Mobile Meals, Register Ready and the Retired and Senior Volunteer Program. The senior centers are Lower Cape in Villas (609-886-5161), North Wildwood (609-522-7611) and Upper Township in Palermo (609-390-9409).
The county’s transportation service at 4 Moore Road in Cape May Court House charges no fare and serves seniors, people with disabilities, veterans and the general public, weekdays 8 a.m. to 4 p.m. (609-889-3700).
Where do Cape May County residents apply for NJ FamilyCare?
The Cape May County Department of Social Services in Rio Grande takes NJ FamilyCare applications, weekdays 8:30 a.m. to 4:30 p.m. (609-886-6200). The county’s hospital in Cape May Court House now publishes the name Cooper Norcross University Hospital Cape Regional.
Local sources: Cape May County: History of Cape May County · Cape May County: History · Cape May County: Aging and Disability Services · Cape May County: Senior Centers · Cape May County: Transportation · NJ Division of Family Development: County agencies
New Jersey totals are the sum of all 21 New Jersey counties in the same Census release; a statewide median is not computed here. Survey estimates for small towns carry wide margins of error.
By the numbers
2027 Medicare Advantage in Cape May County
Every figure comes from the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately.
- $2.79 Average monthly Part C premium
- $43.06 Average Part C + D premium
- 26 Plans that include drug coverage
- $4,150 Lowest in-network out-of-pocket limit
- $8,671 Average in-network out-of-pocket limit
- $9,850 Highest in-network out-of-pocket limit
- $602.12 Average Part D deductible (plans with drugs)
- 10 Plans with a 2026 rating of 4★ or more
- 3.81★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 27 have a $0 Part C premium, and 18 have a $0 combined monthly premium for Parts C and D (11 of those include drug coverage; 7 have no drug coverage, so no Part D premium). The average premium figures likewise show the Part C premium and the combined Part C + D premium separately. Star ratings shown are 2026 ratings: the CMS plan file in this snapshot did not yet carry 2027 ratings, so each plan shows its 2026 rating, matched by plan ID. Check a plan’s 2027 rating on Medicare.gov Plan Finder.
PPO plans are the largest group here (20 of 33), and 7 plans have no drug coverage.
| Plan type | Plans | $0 Part C premium | Average Part C premium | Average out-of-pocket limit | Without drug coverage |
|---|---|---|---|---|---|
| PPO | 20 | 16 | $2.78 | $8,693 | 5 |
| HMO-POS | 8 | 7 | $4.38 | $7,981 | 1 |
| HMO | 4 | 4 | $0 | $9,650 | 1 |
| Regional PPO | 1 | 0 | $1.60 | $9,850 | 0 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
Every plan
2027 Medicare Advantage plans in Cape May County
Grouped by plan type, because type decides how the network works: HMOs expect you to stay in network, PPOs let you go outside it at a higher cost.
PPO
20 plans, 16 with a $0 Part C premium, average Part C premium $2.78, average out-of-pocket limit $8,693, 5 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare, no drug coverage | 4.5★ | $0 | $0 | $9,850 | No drug coverage | H5521_504 |
| Aetna Medicare Elite (PPO)Aetna Medicare | 4.5★ | $6 | $65 | $9,850 | $700 | H5521_123 |
| Aetna Medicare Enhanced (PPO)Aetna Medicare | 4.5★ | $0 | $80 | $9,850 | $700 | H5521_512 |
| Aetna Medicare Enhanced Advantage (PPO)Aetna Medicare | 4.5★ | $0 | $109 | $9,850 | $700 | H5521_510 |
| Aetna Medicare Enhanced Extra (PPO)Aetna Medicare | 4.5★ | $0 | $104 | $9,850 | $700 | H5521_124 |
| HumanaChoice Giveback H7617-045 (PPO)Humana | 4.5★ | $0 | $0 | $8,000 | $700 | H7617_045 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO)UnitedHealthcare | 3.5★ | $0 | $69 | $8,900 | $685 | H8768_022 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO)UnitedHealthcare | 3.5★ | $7.10 | $79 | $8,400 | $685 | H8768_035 |
| AARP Medicare Advantage from UHC NJ-6 (PPO)UnitedHealthcare | 3.5★ | $1 | $29 | $9,400 | $685 | H8768_058 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)UnitedHealthcare, no drug coverage | 3.5★ | $0 | $0 | $7,150 | No drug coverage | H8768_059 |
| Clover Health Choice (PPO)Clover Health | 3.5★ | $0 | $0 | $9,850 | $350 | H5141_032 |
| Clover Health Choice Giveback (PPO)Clover Health | 3.5★ | $0 | $0 | $9,850 | $440 | H5141_054 |
| Clover Health Choice Value (PPO)Clover Health | 3.5★ | $0 | $36.30 | $9,850 | $450 | H5141_042 |
| Clover Health Valor (PPO)Clover Health, no drug coverage | 3.5★ | $0 | $0 | $9,850 | No drug coverage | H5141_061 |
| Humana USAA Honor Giveback (PPO)Humana, no drug coverage | 3.5★ | $0 | $0 | $6,700 | No drug coverage | H5216_221 |
| HumanaChoice Giveback H5216-116 (PPO)Humana, no drug coverage | 3.5★ | $0 | $0 | $4,150 | No drug coverage | H5216_116 |
| HumanaChoice Giveback H5216-319 (PPO)Humana | 3.5★ | $0 | $0 | $8,000 | $700 | H5216_319 |
| HumanaChoice H5216-461 (PPO)Humana | 3.5★ | $0 | $36.30 | $9,250 | $700 | H5216_461 |
| HumanaChoice Giveback H7617-127 (PPO)Humana | Not rated | $0 | $0 | $8,250 | $700 | H7617_127 |
| Jefferson Health Plans Premier (PPO)Jefferson Health Plans | Not rated | $41.50 | $55 | $7,000 | $0 | H3124_003 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
HMO-POS
8 plans, 7 with a $0 Part C premium, average Part C premium $4.38, average out-of-pocket limit $7,981, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Enhanced (HMO-POS)Aetna Medicare | 4.0★ | $0 | $79 | $9,850 | $700 | H3152_022 |
| Wellcare Assist (HMO-POS)Wellcare | 3.5★ | $0 | $0 | $9,250 | $700 | H0913_015 |
| Wellcare Low Premium (HMO-POS)Wellcare | 3.5★ | $35 | $35 | $9,250 | $700 | H0913_002 |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)UnitedHealthcare | Not rated | $0 | $0 | $7,150 | $685 | H0755_038 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)UnitedHealthcare | Not rated | $0 | $0 | $7,150 | $685 | H0755_046 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)UnitedHealthcare | Not rated | $0 | $79 | $7,150 | $595 | H0755_044 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)UnitedHealthcare | Not rated | $0 | $115 | $6,900 | $595 | H0755_045 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)UnitedHealthcare, no drug coverage | Not rated | $0 | $0 | $7,150 | No drug coverage | H0755_037 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
HMO
4 plans, 4 with a $0 Part C premium, average Part C premium $0, average out-of-pocket limit $9,650, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (HMO)Aetna Medicare, no drug coverage | 4.0★ | $0 | $0 | $9,850 | No drug coverage | H3152_045 |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare | 4.0★ | $0 | $0 | $9,850 | $700 | H3152_082 |
| Humana Gold Plus H6622-099 (HMO)Humana | 3.5★ | $0 | $0 | $9,050 | $700 | H6622_099 |
| Jefferson Health Plans Elite (HMO)Jefferson Health Plans | 3.5★ | $0 | $0 | $9,850 | $0 | H9207_018 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
Regional PPO
1 plan, 0 with a $0 Part C premium, average Part C premium $1.60, average out-of-pocket limit $9,850.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Enhanced (Regional PPO)Aetna Medicare | 4.0★ | $1.60 | $149 | $9,850 | $700 | R6694_006 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
The other path
Medigap in Cape May County
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable.
New Jersey also protects people under 65 who have Medicare because of a disability. According to the Department of Banking and Insurance, if you became eligible on or after your 50th birthday but before 65, and on or after January 1, 2020, Medigap insurers in your area must issue Plan D when you apply within 12 months of enrolling in Part B, and may not charge more than they charge a 65-year-old for the same policy.
Under 50, the state contracting carrier, Horizon Blue Cross Blue Shield of New Jersey, must issue Plan D to any applicant, at the same premium it charges people buying at 65, with no rating on health, age or claims.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. See Medigap rules in New Jersey and Medicare Advantage vs Medigap.
Source: New Jersey Department of Banking and Insurance: Medicare Supplement coverage for people under 65.
Hospitals
Hospitals in Cape May County
Medicare-certified hospitals the CMS Hospital General Information file records in Cape May County, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
1 Medicare-certified hospital is listed; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| Cooper Norcross University Hospital Cape RegionalAcute CareNote: Listed in the CMS file as Cape Regional Medical Center. Cooper now publishes this name for the Cape May Court House hospital. | 2 Stone Harbor Boulevard, Cape May Court House, NJ 08210 | Yes | 3 of 5 |
Source: Medicare-certified hospitals in and near Cape May County (CMS Hospital General Information).
Names, addresses, counties and emergency flags are shown as the CMS file records them, except rows with a note, where the name or campus was checked against the health system’s own website (listed under Sources). County pages group hospitals by the county in the CMS record.
What changes for 2027
Cape May County plans: 2026 to 2027
Your plan mailed an Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket limit, copays, drug list and network. Compare it line by line, or go through it with Jackie.
Counting plans with drug coverage, Special Needs Plans included, the Cape May County list goes from 37 plans in 2026 to 33 in 2027, and the average in-network out-of-pocket limit moves from $8,411 to $8,859.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 37 | 33 |
| With a $0 combined monthly premium for Parts C and D | 15 | 13 |
| Average in-network out-of-pocket limit | $8,411 | $8,859 |
| Average Part D deductible | $446.08 | $622.42 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
These counts cover plans with drug coverage, Special Needs Plans included, so they differ from the headline count of 33, which leaves out Special Needs Plans and includes plans without drug coverage. Braven Health and HealthSpring have no Medicare Advantage plan with drug coverage in Cape May County for 2027.
Of the 11 plans below, 10 plans end with no similar plan in the county, 0 plans end but the same company offers a plan with the same or a similar name under a new plan ID, and 1 plan folds into another plan automatically.
| 2026 plan | Carrier | CMS crosswalk status | Members move to |
|---|---|---|---|
UHC Nursing Home Plan EX-F003 (PPO I-SNP) H0710-026 | UnitedHealthcare | Renewal Plan with SAR | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Braven Medicare Choice (PPO) H0885-006 | Braven Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Braven Medicare Freedom (PPO) H0885-009 | Braven Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Wellcare Giveback (HMO-POS) H0913-021 | Wellcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Wellcare Simple (HMO-POS) H0913-022 | Wellcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Jefferson Health Plans Choice Plus (PPO) H3124-001 | Jefferson Health Plans | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Jefferson Health Plans Choice (PPO) H3124-002 | Jefferson Health Plans | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Wellpoint Full Dual Advantage Secure (HMO-POS D-SNP) H3240-024 | Wellpoint | Consolidated Renewal Plan | Wellpoint Full Dual Advantage (HMO D-SNP)H3240-013 (moved automatically) |
HealthSpring Preferred (HMO) H3949-054 | HealthSpring | Renewal Plan with SAR | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
HealthSpring True Choice (PPO) H7849-149 | HealthSpring | Renewal Plan with SAR | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Jefferson Health Plans Silver (HMO) H9207-013 | Jefferson Health Plans | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
New to the Cape May County list for 2027: AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), AARP Medicare Advantage from UHC NJ-0002 (HMO-POS), AARP Medicare Advantage from UHC NJ-0003 (HMO-POS), AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS), UHC Complete Care NJ-8 (HMO-POS C-SNP), Jefferson Health Plans Premier (PPO), HumanaChoice Giveback H7617-127 (PPO).
If your plan is not renewing: you receive a non-renewal letter in October. You can pick a new plan during the Annual Enrollment Period (October 15 to December 7, 2026), and a Special Enrollment Period runs through the end of February 2027. Confirm your dates on Medicare.gov. The official Medicare & You handbook explains each option.
Health profile
What is common in Cape May County
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Compared with the New Jersey county average, Cape May County reads higher on diagnosed diabetes, high blood pressure, obesity, coronary heart disease, copd, arthritis, high cholesterol and stroke.
| Measure | Cape May County | New Jersey county average |
|---|---|---|
| Diagnosed diabetes | 11.7% | 10.9% |
| High blood pressure | 38.9% | 32.9% |
| Obesity | 33.5% | 28.9% |
| Coronary heart disease | 7.8% | 5.6% |
| COPD | 7.2% | 5.1% |
| Adults 18 to 64 without health insurance | 8.3% | 11.3% |
| Arthritis | 30.0% | 22.2% |
| High cholesterol | 45.9% | 39.3% |
| Stroke | 3.9% | 3.1% |
Source: Chronic condition estimates for Cape May County, New Jersey (CDC PLACES).
CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-20. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Crude rates follow the age mix of a place: an older community reads higher on most conditions. New Jersey figure: average of the 21 New Jersey counties, weighted by adult population.
Why this matters for plan choice
Of the conditions above where Cape May County reads higher than the New Jersey county average, high cholesterol, high blood pressure, coronary heart disease, stroke and diagnosed diabetes are among those a chronic-condition Special Needs Plan can cover. The chronic-condition Special Needs Plans on the Cape May County list are built around: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus. If you live with one of those, a C-SNP may be worth a look; you need a qualifying diagnosis to join.
Quality
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. This shows the 2026 rating for each of the 33 Cape May County plans. The CMS plan file in this snapshot did not yet carry 2027 ratings, so check a plan’s 2027 rating on Medicare.gov Plan Finder. New plans and some small contracts are not rated.
- 4.5★ 6 plans (18%)
- 4.0★ 4 plans (12%)
- 3.5★ 16 plans (48%)
- Not rated 7 plans (21%)
No plan on the Cape May County list has a 5-star 2026 rating.
Special needs
7 Special Needs Plans in Cape May County
An SNP is a Medicare Advantage plan limited to people who meet a condition. They are left out of the counts above because not everyone can join.
C-SNP: 1 plan
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus.
I-SNP: 2 plans
For people who live in, or need the level of care of, a long-term care facility.
D-SNP
4 plans, with a monthly Part C + D premium from $0 to $36.30. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| Horizon NJ TotalCare (HMO D-SNP)Horizon Blue Cross Blue Shield of New Jersey | HMO D-SNP | 4.0★ | $36.30 | $9,850 | H8298_001 |
| Wellcare Fidelis Dual Align (HMO D-SNP)Wellcare | HMO D-SNP | 3.5★ | $28.40 | $9,850 | H0913_013 |
| Aetna Medicare FIDE (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | H6399_001 |
| Wellpoint Full Dual Advantage (HMO D-SNP)Wellpoint | HMO D-SNP | 3.0★ | $30.70 | $9,850 | H3240_013 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
C-SNP
1 plan, with a monthly Part C + D premium of $0. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| UHC Complete Care NJ-8 (HMO-POS C-SNP)UnitedHealthcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | Not rated | $0 | $7,150 | H0755_047 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
I-SNP
2 plans, with a monthly Part C + D premium from $18.80 to $172. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| Longevity Health Plan (PPO I-SNP)Longevity Health Plan | PPO I-SNP | 4.0★ | $172 | $4,500 | H9942_002 |
| Longevity Health Plan (PPO I-SNP)Longevity Health Plan | PPO I-SNP | 4.0★ | $18.80 | $9,850 | H9942_001 |
Source: Medicare plan changes in Cape May County, 2026 to 2027.
When you can change
How and when to enroll
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan's service area, here Cape May County.
Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment Period
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
Medicare Advantage Open Enrollment
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Special Enrollment Periods
Moving, losing employer coverage, gaining or losing NJ FamilyCare, or a plan not renewing can open a window outside the normal calendar.
Ways to enroll: with a licensed agent such as Jackie ((856) 727-4221), directly with a plan, or on Medicare.gov. You can also call 1-800-MEDICARE (1-800-633-4227). More detail: Medicare enrollment periods.
Next steps
Before you choose a plan in Cape May County
- Medigap in New Jersey, including the rules for people under 65 with Medicare: New Jersey Medigap rules.
- Standalone Part D plans are sold statewide: the full 2027 list is on the New Jersey page, and how they work in Part D explained.
- Help with drug and premium costs: PAAD and Senior Gold, Extra Help and Medicare Savings Programs and Medicare and NJ FamilyCare.
- When you can join or switch: Medicare enrollment periods. To compare the plans above for your own doctors and prescriptions, call or text Jackie at (856) 727-4221 or use Compare 2027 plans.
Plain English
Medicare plan terms on this page
- Medicare Advantage (Part C)
- A Medicare approved plan from a private company that provides your Part A and Part B benefits in place of Original Medicare. Most include drug coverage and some extras. You keep paying your Part B premium.
- $0 Part C premium
- The plan charges no monthly premium of its own for medical coverage. You still pay your Part B premium, any drug premium the plan lists, and copays or coinsurance when you use care.
- In-network out-of-pocket maximum (MOOP)
- The most you pay in a calendar year for covered Part A and Part B services from in-network providers. Once you reach it, the plan pays for covered in-network care for the rest of the year. Premiums and Part D drug costs do not count toward it.
- HMO
- Health Maintenance Organization. You generally use doctors and hospitals in the plan network, except for emergencies and urgent care, and many HMOs ask for a referral before you see a specialist.
- PPO
- Preferred Provider Organization. You can use doctors in or out of the network, but out-of-network care usually costs more. Referrals are usually not required.
- HMO-POS
- An HMO with a point of service option. You mostly use the network, but the plan lets you get some services out of network, usually at a higher cost.
- Special Needs Plan (SNP)
- A Medicare Advantage plan open only to people with particular needs: both Medicare and Medicaid (NJ FamilyCare in New Jersey), certain chronic conditions, or living in an institution such as a nursing home.
- Star rating
- A yearly CMS quality score from 1 to 5 stars, based on measures such as preventive care, member experience and customer service. It describes the plan overall; it does not tell you whether your doctors or drugs are covered.
FAQ
Cape May County Medicare questions
How many Medicare Advantage plans are available in Cape May County for 2027?
Cape May County has 33 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 6 organizations. Of those, 27 have a $0 Part C premium, and 18 have a $0 combined monthly premium for Parts C and D (11 of those include drug coverage; 7 have no drug coverage, so no Part D premium). You still pay the Part B premium, which is $202.90 a month in 2026; the 2027 amount is announced around November 2026. Source: CMS 2027 Landscape file.
I spend winters in Florida. Should I choose Medigap or Medicare Advantage in Cape May County?
It depends on how much care you get away from home. Most Medicare Advantage networks cover emergencies and urgent care anywhere, but routine care out of the area may not be covered. Original Medicare with Medigap works with any provider nationwide that accepts Medicare. Jackie compares both with your travel in mind.
How old is Cape May County compared with the rest of New Jersey?
Census figures show 29.5% of Cape May County residents aged 65 or older, against 17.2% for New Jersey as a whole, and a median age of 51.8 years.
What changes for Medicare plans in Cape May County in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Cape May County goes from 37 plans in 2026 to 33 in 2027. (The headline count of 33 plans on this page leaves out Special Needs Plans and includes plans without drug coverage, which is why the numbers differ.) The CMS crosswalk shows 10 plans ending with no similar plan in the county, 0 plans ending while the same company offers a plan with the same or a similar name under a new plan ID (members must enroll in it themselves), 1 plan folding into another plan automatically, and 7 new plans. Braven Health and HealthSpring have no Medicare Advantage plan with drug coverage in Cape May County for 2027. Your plan’s Annual Notice of Change lists what changes for you on January 1.
How many people aged 65 and over live in Cape May County?
Census figures (ACS 2020 to 2024 5-year estimates) show 29.5% of Cape May County residents aged 65 or older (about 28,008 people), against 17.2% for New Jersey, and 5.0% of residents of all ages with no health insurance (7.5% statewide). For people with Medicare and a limited income, New Jersey's Medicare Savings Programs, PAAD, Senior Gold and NJ FamilyCare can help with costs; the guides linked on this page explain each one.
Provenance
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (https://www.cms.gov/files/zip/cy2027-landscape-202609.zip), filtered to Cape May County (FIPS 34009), retrieved 2026-10-20 through THE BRAIN (Ambrose healthcare database). Star ratings: CMS 2026 Star Ratings joined by plan ID, because the 2027 landscape rows in the snapshot carry no rating yet.
- 2027 changes: CMS Landscape 2026 (https://www.cms.gov/files/zip/cy2026-landscape-202609.zip) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-20.
- Health data: CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-20. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Query: https://data.cdc.gov/resource/swc5-untb.json?locationid=34009&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Cape May County, New Jersey, retrieved 2026-10-20. Queries: detailed tables and subject table S2701. Residents 65 and over are the sum of the 12 age groups 65 and older in table B01001.
- Hospitals: CMS Hospital General Information (Provider Data Catalog) (https://data.cms.gov/provider-data/dataset/xubh-q36u), New Jersey records retrieved 2026-10-20 from the data.cms.gov Provider Data API (query). Notes checked against the health systems’ own websites: clinicians.cooperhealth.org/location/cooper-university-hospital-cape-regional/loc0000257009, clinicians.cooperhealth.org/location/cooper-university-hospital/loc0000256998, virtua.org/locations/voorhees-hospital, inspirahealthnetwork.org/locations/inspira-medical-center-elmer, inspirahealthnetwork.org/locations/inspira-medical-center-mullica-hill, jeffersonhealth.org/locations/stratford-hospital, jeffersonhealth.org/locations/cherry-hill-hospital, jeffersonhealth.org/locations/washington-township-hospital.
- New Jersey programs: Medigap rules from the New Jersey Department of Banking and Insurance: Medicare Supplement coverage for people under 65.
- Federal figures: 2026 Part B premium and deductible and Part D base premium ($38.99) from CMS. 2027 values are announced around November 2026.
How the figures are derived
- Headline plan counts and averages exclude Special Needs Plans, which have their own eligibility rules and are reported separately.
- "$0 Part C premium" counts plans whose Part C premium is $0. "$0 combined monthly premium for Parts C and D" counts plans whose consolidated Part C + D premium is $0 (for a plan without drug coverage, its Part C premium); our guides and blog use this second count. Out-of-pocket limits are in-network amounts. The average Part D deductible covers plans with drug coverage only.
- The 2026 to 2027 comparison counts Medicare Advantage plans with drug coverage, Special Needs Plans included, and its "$0" row uses the combined Part C + D premium, so it differs from the headline count.
- When the CMS crosswalk ends a plan with no successor but the same company files a plan with the same or a similar name under a new plan ID, we say so; members are not moved into the new ID automatically.
- We do not publish per-plan enrollment: the source does not carry it, and we never estimate plan figures.
Garden State Medicare Solutions is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
Areas we serve
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- New JerseyStatewide guide
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Let's talk about your coverage in Cape May County
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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. Last updated .