D-SNP: 5 plans
For people with both Medicare and NJ FamilyCare (New Jersey Medicaid).
Vineland, Cumberland County, New Jersey
Vineland, NJ Medicare Plans and Help for 2027
Vineland is the largest city in Cumberland County, and one of our client reviews comes from here. Many residents qualify for help with Medicare costs, so this page starts with the plans built for people with both Medicare and NJ FamilyCare.
- 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
Vineland Medicare at a glance for 2027
- 33 Medicare Advantage plans for Vineland 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
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 community
Vineland at a glance
The Census Bureau counts about 61,000 Vineland residents, 16.7% of them 65 or older, with a median household income of about $67,900 and 9.6% with no health insurance. CDC PLACES estimates show Vineland adults above the New Jersey county average on diabetes (13.4%), high blood pressure (37.7%) and obesity (38.7%).
Vineland uses the Cumberland County list: 33 Medicare Advantage plans for 2027, plus 5 Dual Special Needs Plans (D-SNPs) for people who have both Medicare and NJ FamilyCare, New Jersey's Medicaid program. The acute care hospital in the CMS file is Inspira Medical Center Vineland in Vineland (3 out of 5), with the CMS overall rating shown.
How Jackie helps here. Vineland is part of our South Jersey home market. Jackie meets Vineland clients by phone, on Zoom or in person, and starts with the programs that lower your costs, such as NJ FamilyCare, the Medicare Savings Programs and PAAD, before premiums or extras.
16.7% of Vineland residents are 65 or older, against 17.2% for New Jersey, and 9.6% have no health insurance.
| Measure | Vineland | Cumberland County | New Jersey |
|---|---|---|---|
| Population | 61,006 | 153,305 | 9,343,809 |
| Residents aged 65 and over | 10,200 | 24,216 | 1,605,758 |
| Share aged 65 and over | 16.7% | 15.8% | 17.2% |
| Median age | 38.8 | 37.7 | Not shown |
| Median household income | $67,860 | $67,436 | Not shown |
| Share with no health insurance (all ages) | 9.6% | 10.5% | 7.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates: Vineland city, New Jersey.
How did Vineland begin?
The city credits Charles K. Landis as the founder of Vineland; he founded it in 1861 at age 28. The city covers 69 square miles, and the Vineland Cooperative Produce Auction, founded April 23, 1931, is described by the city as the premier produce auction in the eastern United States.
Where do older Vineland residents go?
The Vineland Senior Center is at 103 South Sixth Street, in the original 1903 Vineland Library building (856-794-4074). The county also runs a weekday lunch site at Tarklin Acres (856-692-0973), and CATS gives rides inside Cumberland County to people 60 and over when booked two days ahead (856-691-7799).
Where do Vineland residents apply for help with costs?
The Cumberland County Board of Social Services is right in Vineland, at 275 North Delsea Drive (856-691-4600), and takes NJ FamilyCare applications. PAAD, which in 2026 covers single people with income under $54,943 with copays of $5 for generics and $7 for brand-name drugs, and the Medicare Savings Programs are applied for through NJSave (1-800-792-9745).
Local sources: City of Vineland: Early History · City of Vineland: Welcome · City of Vineland: June 2025 Newsletter (PDF) · City of Vineland: Senior Center event listing · Cumberland County: Nutrition Program · NJ FamilyCare: Cumberland County agency · NJ Division of Aging Services: PAAD
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.
Health profile
What is common in Vineland
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, Vineland 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 | Vineland | Cumberland County | New Jersey county average |
|---|---|---|---|
| Diagnosed diabetes | 13.4% | 13.5% | 10.9% |
| High blood pressure | 37.7% | 38.8% | 32.9% |
| Obesity | 38.7% | 40.4% | 28.9% |
| Coronary heart disease | 6.8% | 7.0% | 5.6% |
| COPD | 6.7% | 7.4% | 5.1% |
| Adults 18 to 64 without health insurance | 18.9% | 18.4% | 11.3% |
| Arthritis | 25.1% | 25.1% | 22.2% |
| High cholesterol | 39.7% | 39.0% | 39.3% |
| Stroke | 3.8% | 4.0% | 3.1% |
Source: Chronic condition estimates for Vineland, New Jersey (CDC PLACES).
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. 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 Vineland 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.
By the numbers
2027 Medicare Advantage in Cumberland County
Medicare Advantage plans are approved by county, so Vineland residents see the Cumberland County list. Figures 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 Cumberland County, 2026 to 2027.
Spotlight for Vineland
Dual Special Needs Plans (D-SNPs)
For people who have both Medicare and Medicaid. In New Jersey, Medicaid is NJ FamilyCare, and NJ FamilyCare decides that eligibility. From the Cumberland County list, CMS contract year 2027.
5 plans on the Cumberland County list fit this group, with monthly Part C + D premiums from $0 to $36.30.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | 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 | $700 | H8298_001 |
| Wellcare Fidelis Dual Align (HMO D-SNP)Wellcare | HMO D-SNP | 3.5★ | $28.40 | $9,850 | $700 | H0913_013 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP)UnitedHealthcare | HMO D-SNP | 3.5★ | $4.10 | $9,850 | $700 | H3113_005 |
| Aetna Medicare FIDE (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | $700 | H6399_001 |
| Wellpoint Full Dual Advantage (HMO D-SNP)Wellpoint | HMO D-SNP | 3.0★ | $30.70 | $9,850 | $700 | H3240_013 |
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.
Special needs
7 Special Needs Plans in Cumberland 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: 1 plan
For people who live in, or need the level of care of, a long-term care facility.
Hospitals
Hospitals in Vineland
Medicare-certified hospitals in Vineland from the CMS Hospital General Information file, 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 |
|---|---|---|---|
| Inspira Medical Center VinelandAcute Care | 1505 West Sherman Avenue, Vineland, NJ 08360 | Yes | 3 of 5 |
Source: Medicare-certified hospitals in and near Vineland (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).
What changes for 2027
Cumberland 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 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 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Source: Medicare plan changes in Cumberland 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 Cumberland County for 2027.
9 plans on the 2026 Cumberland County list end with no similar plan in the county, including Braven Medicare Choice (PPO), Braven Medicare Freedom (PPO), Wellcare Giveback (HMO-POS). The full list is on the Cumberland County guide.
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.
Next steps
Before you choose a plan in Vineland
- 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.
New to terms like MOOP, HMO-POS or D-SNP? They are explained in plain English on the Cumberland County page and in the guide Medicare Advantage plan types.
FAQ
Vineland Medicare questions
How many Medicare Advantage plans are available in Vineland for 2027?
Vineland 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.
I have Medicare and NJ FamilyCare. What plans can I look at in Vineland?
You can keep Original Medicare with NJ FamilyCare, or look at a Dual Special Needs Plan (D-SNP) on the Cumberland County list, which coordinates both programs in one plan. NJ FamilyCare decides your Medicaid eligibility and level, and that decides which D-SNPs you can join, so Jackie starts with your Medicaid letter.
Which hospital in Vineland is in the CMS file?
Inspira Medical Center Vineland at 1505 West Sherman Avenue, with a CMS overall rating of 3 out of 5. Network status is a separate check for each plan.
What changes for Medicare plans in Vineland in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Cumberland County goes from 36 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 9 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 Cumberland 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 Vineland?
Census figures (ACS 2020 to 2024 5-year estimates) show 16.7% of Vineland residents aged 65 or older (about 10,200 people), against 17.2% for New Jersey, and 9.6% 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 Cumberland County (FIPS 34011), 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, 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: https://data.cdc.gov/resource/eav7-hnsx.json?locationid=3476070&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Vineland city, 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.
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Let's talk about your coverage in Vineland
Tell Jackie about your current situation. Telephone, Zoom or in person, at no cost to you. Call or text (856) 727-4221.
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 .