Millville, NJ Medicare Plans for 2027
One in five Millville residents is 65 or older. Some already have drug coverage from the VA or a former employer, so this page includes the Cumberland County plans that leave drug coverage out.
- 33 Medicare Advantage plans in Cumberland 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
Millville Medicare at a glance for 2027
- 33 Medicare Advantage plans for Millville residents (Cumberland County list), 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
Millville uses the Cumberland County list, the same one Vineland residents see. This page looks at it through one lens Vineland’s does not: plans that leave out Part D drug coverage.
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.
Millville at a glance
Millville is older than its neighbor. One resident in five here is 65 or over: 20.2%, about 5,561 people out of 27,511, against 17.2% statewide, and the median age is 44.4. Only 5.6% of residents have no health insurance, a lower share than in Vineland or Cumberland County overall.
The city sits on the Maurice River, which the city says is navigable to its center, about 45 miles from Philadelphia. For Medicare that distance matters: specialists and the larger hospital systems are a drive away, so the network question deserves more time than the premium.
How Jackie helps here. Millville clients can talk with Jackie on the phone, see her on Zoom, or meet in person, all at no cost. If you or your spouse served, bring your VA details: they change which plans make sense.
20.2% of Millville residents are 65 or older, against 17.2% for New Jersey, and 5.6% have no health insurance.
| Measure | Millville | Cumberland County | New Jersey |
|---|---|---|---|
| Population | 27,511 | 153,305 | 9,343,809 |
| Residents aged 65 and over | 5,561 | 24,216 | 1,605,758 |
| Share aged 65 and over | 20.2% | 15.8% | 17.2% |
| Median age | 44.4 | 37.7 | Not shown |
| Median household income | $70,275 | $67,436 | Not shown |
| Share with no health insurance (all ages) | 5.6% | 10.5% | 7.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates: Millville city, New Jersey.
How did Millville get its name?
The city says it was born at what is now Union Lake. In 1776 Joseph Smith and others formed the Union Estates Company and bought 24,000 acres; Captain Joseph Buck drew the town plans in 1795, and the name comes from the mills and factories planned there in the 1790s. Millville became a township in 1801 and a city in 1866, and South Jersey’s silica sand gave rise to its glass industry. Since 1913 it has been run by five elected commissioners, one of whom serves as mayor.
What does Millville offer older residents?
The Millville Senior Center at 1500 South 2nd Street is open Tuesday to Thursday, 10 a.m. to 2 p.m., except holidays (director, 856-825-7000, extension 7391). If you need a ride there, the city points you to CATS, the county’s transit system (856-691-7799, two days ahead). The county’s congregate lunch for Millville seniors is served at High Rise East (856-825-8779).
Residents 65 and over, or permanently and totally disabled, with income under $10,000 not counting Social Security can claim a $250 yearly property tax deduction at the Tax Office, 12 South High Street.
Local sources: City of Millville: About Millville · City of Millville: Senior Center · City of Millville: Senior Citizen and Disabled Person Deduction · Cumberland County: Nutrition Program · Cumberland County: CATS · City of Millville: Parks · City of Millville: Union Lake Park · City of Millville: Waltman Park · City of Millville: Community · Millville Public Library: History
New Jersey figures sum all 21 counties. Small-town survey estimates have wide margins of error.
VA coverage and no-drug Advantage plans in Millville
CATS lists veterans among the riders it carries, and many Millville veterans already get prescriptions through the VA. If your VA drug coverage is creditable, meaning Medicare counts it as at least as good as standard Part D, a Medicare Advantage plan without drugs can sit alongside it.
Two cautions. Your VA eligibility can change, and if you later drop creditable coverage you may owe a Part D penalty. And a VA pharmacy is not a plan network pharmacy: civilian specialists and the hospital still need to be in the Advantage plan’s network.
What to compare between the no-drug plans
Look at the out-of-pocket limit, the giveback amount if any, and whether the plan is an HMO-POS, which mostly keeps you in network, or a PPO, which pays something outside it. Jackie lays those side by side with your doctors.
What is common in Millville
Millville’s CDC PLACES readings run above the New Jersey county average across the board: COPD at 8.0% (state 5.1%), high blood pressure at 39.6%, arthritis at 27.2% and obesity at 39.7%.
Mobility disability, serious difficulty walking or climbing stairs, reaches 15.7% of adults. Part of that follows the city’s older age mix. In plan terms it points to durable medical equipment, physical therapy and rides, which are worth checking line by line.
Compared with the New Jersey county average, Millville reads higher on diagnosed diabetes, high blood pressure, obesity, coronary heart disease, copd, adults 18 to 64 without health insurance, arthritis, high cholesterol and stroke.
| Measure | Millville | Cumberland County | New Jersey county average |
|---|---|---|---|
| Diagnosed diabetes | 12.9% | 13.5% | 10.9% |
| High blood pressure | 39.6% | 38.8% | 32.9% |
| Obesity | 39.7% | 40.4% | 28.9% |
| Coronary heart disease | 7.1% | 7.0% | 5.6% |
| COPD | 8.0% | 7.4% | 5.1% |
| Adults 18 to 64 without health insurance | 14.2% | 18.4% | 11.3% |
| Arthritis | 27.2% | 25.1% | 22.2% |
| High cholesterol | 39.6% | 39.0% | 39.3% |
| Stroke | 4.1% | 4.0% | 3.1% |
Source: Chronic condition estimates for Millville, New Jersey (CDC PLACES).
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 Millville reads higher than the New Jersey county average, high blood pressure, diagnosed diabetes, coronary heart disease, stroke and high cholesterol are among those a chronic-condition Special Needs Plan can cover. The chronic-condition Special Needs Plans on the Cumberland 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.
Medicare Advantage plans without drug coverage
7 Cumberland County Medicare Advantage plans for 2027 include no Part D coverage. Two of them, AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) and AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), are UnitedHealthcare’s Patriot plans, and 4 are giveback plans, a type that returns part of your Part B premium.
The lowest in-network out-of-pocket limit in this group belongs to HumanaChoice Giveback H5216-116 (PPO), at $4,150. These plans fit people who already have creditable drug coverage, such as through the VA or TRICARE. Without that, a no-drug plan can leave you paying a Part D late enrollment penalty later.
7 plans on the Cumberland County list fit this group, with monthly Part C + D premiums of $0.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $9,850 | No drug coverage | H5521_504 |
| Aetna Medicare Eagle Giveback (HMO)Aetna Medicare | HMO | 4.0★ | $0 | $9,850 | No drug coverage | H3152_045 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)UnitedHealthcare | PPO | 3.5★ | $0 | $7,150 | No drug coverage | H8768_059 |
| Clover Health Valor (PPO)Clover Health | PPO | 3.5★ | $0 | $9,850 | No drug coverage | H5141_061 |
| Humana USAA Honor Giveback (PPO)Humana | PPO | 3.5★ | $0 | $6,700 | No drug coverage | H5216_221 |
| HumanaChoice Giveback H5216-116 (PPO)Humana | PPO | 3.5★ | $0 | $4,150 | No drug coverage | H5216_116 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)UnitedHealthcare | HMO-POS | Not rated | $0 | $7,150 | No drug coverage | H0755_037 |
Source: Medicare plan changes in Cumberland County, 2026 to 2027.
See every Cumberland County plan with premiums and limits, or compare plans for your ZIP code with the plan finder.
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 Buck Street library, Union Lake and the Maurice River
The Millville Public Library at 210 Buck Street has deep roots. The Millville Library and Reading Room Association was founded in 1864 in a small building in Glasstown, at Buck Street and Columbia Avenue. It moved to the Workingmen’s Institute Building at the foot of High Street in 1883, bought the former Millville National Bank building at Second and Main in 1908, and opened its Buck Street building on March 27, 1963, with a 3,400 square foot addition for children in 1975.
City parks are open from dawn to dusk. Union Lake Park at 1414 Canal Street covers 12.63 acres with a dog park, ball fields, a playground and even an RC car track. Waltman Park on City Park Drive, 9 acres on the water, has river access, an all-abilities playground, a bocce court and horseshoes, good for grandparents who want to sit while the little ones play.
- Other city parks: Corson Park, Children’s Park, Friendship Park, Governor’s Stokes Park, Heroes Park, Captain Joseph Buck Park, Riverview Park and the Lakeside Complex.
- The Fowser Road Boat Ramp puts small boats on the water.
- Parks and Public Property: 856-825-7000, extension 7394; recreation programs, extension 7392.
Events on the city calendar
The city’s community page lists the Holly City Walking Club, a Pumpkin Extravaganza, a Halloween decorating contest, Millville’s Christmas Parade, Winter Wonderland and a Remember Me Ceremony. The city has posted an alert that the Maurice River Bicycle and Walking Trail is closed, so check before you plan a walk there. Around town you will also find the Millville Municipal Airport, an air freight depot and maintenance field, and two Wildlife Management Areas.
Hospitals near Millville
The CMS file has no hospital record inside Millville. The nearest acute care record is Inspira Medical Center Vineland, 1505 West Sherman Avenue in Vineland, with an emergency department and a CMS overall rating of 3 out of 5. Ask any plan whether that campus is in network, and which hospitals it would use if you were sent farther for heart or cancer care.
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 |
|---|---|---|---|
| Inspira Medical Center VinelandAcute Care | 1505 West Sherman Avenue, Vineland, NJ 08360 | Yes | 3 of 5 |
Source: Medicare-certified hospitals in and near Millville (CMS Hospital General Information).
Cumberland County plans: 2026 to 2027
For 2027 Cumberland County loses Braven Health and HealthSpring, and the list with drug coverage, Special Needs Plans included, falls from 36 to 33. Seven plans are new, including AARP HMO-POS plans from UnitedHealthcare and Jefferson Health Plans Premier (PPO). A Millville member whose plan ends gets a non-renewal letter and must pick a replacement.
Counting plans with drug coverage, Special Needs Plans included, the Cumberland County list goes from 36 plans in 2026 to 33 in 2027, and the average in-network out-of-pocket limit moves from $8,526 to $9,021.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 36 | 33 |
| With a $0 combined monthly premium for Parts C and D | 15 | 13 |
| Average in-network out-of-pocket limit | $8,526 | $9,021 |
| Average Part D deductible | $441.39 | $622.42 |
| Highest Part D deductible a plan may set | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Source: Medicare plan changes in Cumberland County, 2026 to 2027.
Counts here include Special Needs Plans and leave out plans without drug coverage, so they differ from the headline 33. Braven Health and HealthSpring have no Medicare Advantage plan with drug coverage in Cumberland County for 2027.
Every ending, merging and new plan is listed on the Cumberland County guide.
If your plan is not renewing: a non-renewal letter arrives in October. Choose a new plan by December 7, 2026, or use the Special Enrollment Period that runs through the end of February 2027 (Medicare & You).
Before you choose a plan in Millville
Before you call, find your DD-214 or VA card if you have one, and your current drug list. Those two items decide whether a plan without Part D is on the table at all.
- Guides: enrollment periods, PAAD and Senior Gold, Extra Help and Medicare Savings Programs, NJ FamilyCare, plan types and the statewide Part D list.
- Call or text Jackie at (856) 727-4221, or use Compare 2027 plans.
New to terms like MOOP, HMO-POS or D-SNP? They are explained in plain English on the New Jersey page and in the guide Medicare Advantage plan types.
Millville Medicare questions
How many Medicare Advantage plans are available in Millville for 2027?
Millville uses the Cumberland County plan list. It 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.
Are there Medicare Advantage plans without drug coverage in Millville, NJ?
Yes. Millville uses the Cumberland County list, which has 7 Medicare Advantage plans without Part D for 2027, such as Aetna Medicare Eagle Giveback (PPO), Aetna Medicare Eagle Giveback (HMO), AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO). They suit people with other creditable drug coverage, such as through the VA. Source: CMS 2027 Landscape file.
When is the Millville Senior Center open?
Tuesday to Thursday, 10 a.m. to 2 p.m., except holidays, at 1500 South 2nd Street. For transportation, the city refers residents to CATS at 856-691-7799.
What share of Millville residents are 65 or older?
20.2%, or about 5,561 people, according to Census estimates for 2020 to 2024, higher than the 17.2% share for New Jersey.
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (CMS landscape file), filtered to Cumberland County (FIPS 34011), retrieved 2026-10-20. Stars: CMS 2026 ratings by plan ID.
- 2027 changes: CMS Landscape 2026 (2026 file) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-20.
- Health data: CDC PLACES: Local Data for Better Health, Place 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.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Millville city, New Jersey, retrieved 2026-10-20. B01001 and B19013, S2701.
- Hospitals: CMS Hospital General Information (Provider Data Catalog), New Jersey records retrieved 2026-10-20 from the data.cms.gov Provider Data API (query).
- 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 counts and averages leave out Special Needs Plans. "$0 Part C premium" and "$0 combined monthly premium for Parts C and D" are counted separately; out-of-pocket limits are in-network. The 2026 to 2027 comparison counts plans with drug coverage, Special Needs Plans included. Where the crosswalk ends a plan but the same company files a similar plan under a new ID, we say so. We never estimate per-plan enrollment.
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.
More New Jersey guides
- VinelandCumberland County
- Cumberland CountyCounty guide
- Salem CountyCounty guide
- Gloucester CountyCounty guide
- Atlantic CountyCounty guide
- Cape May CountyCounty guide
- New JerseyStatewide guide
Let's talk about your coverage in Millville
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. Last updated .