Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Medicare
Medicare Supplement (Medigap) Plans in New Jersey
Medicare Supplements, also known as Medigap policies, are sold by private insurance companies to help you cover the out-of-pocket costs left behind by Medicare. Medicare pays its share of an approved bill and your Medigap plan pays its share, so the bills you see are smaller and far more predictable. When you buy one matters as much as which plan you pick.
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. 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.
How a Medicare Supplement pays your bills
Original Medicare only covers 80% of your Part B expenses. The other 20% comes out of your pocket if you do not have a Medicare Supplement. A lengthy hospital stay or expensive treatment at an outpatient facility adds up quickly, and Medigap plans are built to pay that share.
Medigap plans are standardized and named by letter: A, B, C, D, F, G, K, L, M and N, plus a high deductible version of G (and of F for people who can still buy F). A Plan G from one company has the same medical benefits as a Plan G from another; what differs is the premium, how the company raises rates over time, and its service. You are not comparing networks, because Original Medicare plus Medigap lets you see any doctor or hospital in the country that accepts Medicare, with no referrals.
What Medigap does not cover: routine dental, vision and hearing exams, hearing aids, eyeglasses or contacts, long-term or custodial care, and retail prescription drugs. Most people pair a Medigap plan with a stand-alone Part D drug plan, and add dental, vision or hearing cover if they want it.
Premiums depend on your age, sex, ZIP code and tobacco use, and on how the company prices as you age: on your current age, on your age when you buy, or the same for everyone. That label tells you more about your premium at 75 than the price at 65 does, so Jackie puts it next to every quote. Once you are in, a Medigap policy is renewable for life as long as you pay the premium.
We pride ourselves in being the expert from start to finish. Consultations are by phone, Zoom, or in person, at no cost to you: call or text Jackie at (856) 727-4221.
Plan G vs Plan N vs Plan F in New Jersey
Three plans are the most popular with our clients: F, G and N. Plans C and F, which also pay the Part B deductible, can only be bought by people who were eligible for Medicare before January 1, 2020. Plan G leaves you the Part B deductible ($283 in 2026) and pays the rest of your share of Medicare-approved costs, including the $1,736 Part A hospital deductible (CMS). Plan N has a lower premium in exchange for copays of up to $20 for some office visits and up to $50 for an emergency room visit that does not lead to an admission.
| Benefit | Plan F | Plan G | Plan N |
|---|---|---|---|
| Part A hospital deductible ($1,736 in 2026) | Pays | Pays | Pays |
| Part B deductible ($283 in 2026) | Pays | You pay | You pay |
| Copay for some office visits | None | None | Up to $20 |
| Emergency room visit that does not lead to admission | No copay | No copay | Up to $50 |
| Foreign travel emergency | 80% up to plan limits | 80% up to plan limits | 80% up to plan limits |
| Who can buy it | Only people eligible for Medicare before January 1, 2020 | Anyone enrolled in Parts A and B | Anyone enrolled in Parts A and B |
Source: Medicare.gov: Compare Medigap plan benefits.
Benefits: Medicare.gov, Compare Medigap plan benefits. Deductibles: CMS 2026 fact sheet.
Go deeper: Medigap Plan GMedigap Plan NMedigap Plan F
What Plan G and Plan N cost at 65 in New Jersey
New Jersey publishes the monthly price every company charges a 65 year old for each Medigap letter. The NJ Division of Aging Services charts revised June 2, 2026 list 19 companies quoting Plan G and 20 quoting Plan N at preferred rates, separately for women and men. Here is the spread.
| Plan | Women | Men |
|---|---|---|
| Plan G, lowest to highest | $147.88 to $260.98 | $164.31 to $299.88 |
| Plan G, middle company | $180.63 | $207.72 |
| Plan N, lowest to highest | $106.57 to $174.51 | $117.79 to $200.84 |
| Plan N, middle company | $129.91 | $149.09 |
| Monthly gap, G minus N at the same company (middle) | $52.22 | $60.07 |
Source: NJ Division of Aging Services, Medicare Supplement monthly premium at age 65 charts (women and men), revised June 2, 2026. Rates rise with age, change over time, and a company may price you differently after your six month window.
What the gap means in a year. At the middle gap, Plan N costs about $627 a year less than Plan G for a woman at 65 and about $721 less for a man. Plan N's office visit copays are up to $20 each, so it would take more than 31 such visits in a year before the copays used up that saving, before any emergency room copays. That is why people who see the doctor often tend to lean toward G, and people who rarely go tend to look hard at N.
A heavy year on Plan G, and the high deductible option
A worked example, as an illustration only. Take a year with a hospital stay and many doctor visits, all Medicare-approved. On Original Medicare plus Plan G, the approved costs you pay yourself stop at the Part B deductible, $283. Add twelve months of the 2026 Part B premium ($2,434.80) and your fixed Medicare costs for the year are $2,717.80, plus your Medigap premium and your Part D premium. For comparison, a Camden County Medicare Advantage plan can ask you to pay up to its in-network maximum in that same year, between $4,150 and $9,850 for 2027 (CMS Landscape), usually with a lower or $0 plan premium. A steady premium against a capped but uncertain bill: that is the real decision.
High deductible Plan G trades a lower premium for a deductible: you pay the first $2,950 of Medicare-covered costs in 2026 and $3,050 in 2027 before the plan pays (CMS). It can suit healthy people with savings who want the Medigap safety net at a lower monthly cost.
Go deeper: Medigap vs Advantage calculator
Your six month window and other New Jersey rules
Your main window: for six months starting the month you are 65 or older and enrolled in Part B, any company selling Medigap in New Jersey must sell you any plan it offers without health questions and without charging more for your health. After it, a company can ask health questions and decline you unless a federal protection applies, such as losing employer coverage or leaving a Medicare Advantage plan you joined in your first year.
Medigap policies sold in New Jersey are regulated by the NJ Department of Banking and Insurance, which must approve premium increases.
For a no-cost, no-obligation review, call or text Jackie at (856) 727-4221. Medicare.gov and 1-800-MEDICARE list every plan in your area if you want to check a comparison against the full list, and your county Office on Aging can point you to local programs.
On Medicare before 65: the New Jersey disability rule
Under 65 on Medicare because of a disability? New Jersey law helps. Companies that sell Medigap to people 65 and older must issue Plan D to people who became eligible for Medicare on or after age 50 and before 65 (from January 1, 2020) if they apply within 12 months of enrolling in Part B, and cannot charge more than they charge a 65 year old for the same policy. A separate state program covers people under 50 (NJ Department of Banking and Insurance, N.J.S.A. 17B:26A-13 to 17). At 65 you get a new six month window to buy any plan.
Go deeper: Medigap rules in New Jersey
No yearly switching window in New Jersey
Some states give Medigap policyholders a yearly window around their birthday to switch plans without health questions. New Jersey has no birthday rule (NAIC State Medigap rules chart, May 2026). Once your six month window closes, moving to a different Medigap plan usually means answering health questions, unless a federal protection applies. The choice you make at 65 is the one most people keep, so Jackie takes the time to get it right with you.
When to apply for a Medigap plan
- Enroll in Medicare Part A and Part B first. Your Medigap window opens the month your Part B starts (at 65 or older) and lasts six months.
- If you are working past 65 on a large employer plan and delayed Part B, your window waits until you enroll in Part B, so time it with your retirement date.
- Choose a Part D plan at the same time so you have drug coverage and avoid the Part D late enrollment penalty.
- Many companies accept applications a few months before your Part B start date, so coverage can begin the same day.
- Keep your old coverage until the new policy is issued, and review your Part D plan every fall during Annual Enrollment, October 15 to December 7, 2026.
Medigap mistakes that cost money later
- Missing the six month window. After it, a company can decline you for your health.
- Comparing letters across companies without comparing how they price as you age. The lowest Plan G premium this year is not always the lowest in five years.
- Forgetting drug coverage. Medigap never includes prescriptions; going without Part D can bring a penalty that lasts for life.
- Cancelling a current policy before the new one is approved.
What Jackie compares for you
- Your Part B start date and the date your six month Medigap window closes, because that decides whether you can buy without health questions.
- Plan G, Plan N and high deductible Plan G priced from the companies we work with for your ZIP code, age and tobacco status.
- How each company prices as you age, and any household discount, written next to every quote.
- Your prescriptions priced on the Part D plans, so the monthly total you see is real.
- Whether a federal right to buy without health questions applies to you if you are leaving an employer plan, Medicare Advantage or NJ FamilyCare.
Questions to ask before you choose a letter
- Which letter fits how I use care: G, N or high deductible G?
- How has this company priced as its policyholders age?
- Is there a household discount if my spouse buys too?
- When exactly does my six month window close?
- Which Part D plan gives my drugs the lowest yearly total at my pharmacy?
How Jackie helps with Medigap
- Plain English comparison of the Medigap letters, especially F, G, N and high deductible G
- Premiums from the companies we work with laid side by side for the same plan letter
- Your six month window identified so you buy while your health cannot be held against you
- New Jersey under 65 rules explained if you are on Medicare because of a disability
- A Part D drug plan reviewed alongside your Medigap plan
- A yearly check in, and help with bills and questions all year
Who Medigap suits
You want to keep Original Medicare, see any doctor who accepts Medicare, and trade a monthly premium for predictable bills. It suits people who travel, split time between states, see specialists at different hospital systems, or simply want fewer surprises.
When should I buy a Medigap plan in New Jersey?
Usually during the six months that start when you are 65 or older and enrolled in Part B. In that window a company cannot turn you down or charge you more for your health. After it, changing or buying a plan usually means answering health questions unless a federal protection applies. If you are under 65 on Medicare because of a disability, New Jersey gives you 12 months from Part B to apply for Plan D.
Your next step with a Medicare Supplement
Sources: 2026 Medicare Parts A and B Premiums and Deductibles (Centers for Medicare & Medicaid Services, 2026) ; CMS: Deductible amount for Medigap high deductible options F, G and J, calendar year 2027 (October 2026) (Centers for Medicare & Medicaid Services, 2026/2027) ; NJ Department of Banking and Insurance: Medicare Supplement coverage for people under 65 on Medicare due to disability (New Jersey Department of Banking and Insurance, 2020/2026) ; CY2027 Medicare Advantage and Part D Landscape (Centers for Medicare & Medicaid Services, 2027) ; NJ FamilyCare: Aged, Blind, Disabled programs (New Jersey Division of Medical Assistance and Health Services, 2026) ; Medicare.gov: Compare Medigap plan benefits (Centers for Medicare & Medicaid Services, 2026) ; NJ Division of Aging Services: Medicare Supplement (Medigap) monthly premium at age 65, preferred rates (revised June 2, 2026) (New Jersey Department of Human Services, Division of Aging Services, 2026) ; NAIC: State Medigap rules, birthday rule and coverage under 65 (as of May 11, 2026) (National Association of Insurance Commissioners, 2026) . Reviewed 2026-10-20.
Tools
Weigh Medigap against Medicare Advantage
Calculators for this coverage. Results are estimates, not quotes.
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Medigap vs Advantage costs
Compare what each path could cost you in a typical year and in a heavy-use year, with medical and drug costs counted separately.
Guides
Medigap guides
Medigap Plans Compared: Plan G, Plan N and More
All ten standardized Medicare Supplement letters in one matrix, a chooser by situation, Plans K and L, New Jersey's Plan D rule for people under 65, and how companies price the same letter.
Medigap Rules in New Jersey: Enrollment and Switching
The rules for buying and switching Medicare Supplement plans in New Jersey: your six-month window, guaranteed issue rights, the under-65 Plan D rule, and why there is no birthday rule.
Medigap Plan G Explained: What It Covers and Costs
What Medicare Supplement Plan G pays, the one bill it leaves you (the Part B deductible, $283 in 2026), what New Jersey companies charged for it at 65, and who it fits.
Medigap Plan N Explained: Lower Premium, Small Copays
How Medicare Supplement Plan N trades a lower premium for small copays: up to $20 for some office visits and up to $50 for ER visits, excess charges, and New Jersey Plan N rates at 65.
Medigap Plan F: Who Can Still Buy It and Why
Plan F pays every Medicare-approved cost after Medicare, but only people eligible for Medicare before January 1, 2020 can buy it. Who qualifies, and how to weigh a move to Plan G.
Medicare Advantage vs Medicare Supplement in New Jersey
The biggest Medicare decision, side by side: how Medicare Advantage and Medicare Supplement plans differ on doctors, costs, drugs and travel, the 2027 plans in Camden County, and why switching later is harder.
FAQ
Medicare Supplement (Medigap): common questions
What is the difference between Medigap Plan G and Plan N?
Both cover most of your share of Original Medicare costs and leave you the yearly Part B deductible ($283 in 2026). Plan N adds copays of up to $20 for some office visits and up to $50 for some emergency room visits, and does not pay Part B excess charges, usually for a lower premium.
Jackie compares the two with your own doctor visits in mind.
Can I still buy Medigap Plan F in New Jersey?
Only if you were eligible for Medicare before January 1, 2020. People new to Medicare since then can buy Plan G, which covers the same costs except the Part B deductible.
Can I get a Medigap plan in New Jersey if I am under 65 and on disability?
Yes. If you became eligible for Medicare on or after age 50 and before 65, companies that sell Medigap in New Jersey must issue you Plan D if you apply within 12 months of enrolling in Part B, at no more than they charge a 65 year old. A separate state program covers people under 50. At 65 you get a new six month window to buy any plan.
Does a Medicare Supplement plan include prescription drug coverage?
No. Medigap policies do not cover prescriptions. Most people with a Medigap plan also enroll in a stand-alone Part D plan, and enrolling on time avoids the Part D late enrollment penalty.
We speak insurance, so you don't have to.
Medicare Supplement (Medigap) for South Jersey and all of New Jersey: no pressure, plain answers, and a review every year.
Serving South Jersey and all of New Jersey · (856) 727-4221
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 .