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HomeMedicare SupplementNew JerseyMedigap in New Jersey for 2027: 22 Insurers and the Plans They Sell

Medicare Supplement

Medigap in New Jersey for 2027: 22 Insurers and the Plans They Sell

NEWARK, N.J. — As Medicare Open Enrollment 2027 runs October 15 through December 7, 2026, New Jersey residents weighing Original Medicare are also weighing a companion decision: whether to add a Medicare Supplement policy, better known as Medigap. For ZIP code 07102, Medicare.gov's Medigap policy search lists 22 insurers selling a range of federally standardized plan letters.

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Key takeaways

  • Medicare.gov's Medigap policy search lists 22 insurers for ZIP code 07102, selling plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • The six-month Medigap Open Enrollment Period begins the month you are 65 or older and enrolled in Part B, and it is the strongest federal window to buy Medigap without medical underwriting.
  • 26 Medicare Advantage plans offered in New Jersey in 2026 will not be offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not cover prescriptions, so a stand-alone Part D plan is a separate choice; the 2027 Part D out-of-pocket cap is $2,400 and the maximum allowable deductible is $700.
Medicare SupplementNew Jersey
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in New Jersey
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in New Jersey?

Medigap is private insurance that pays after Original Medicare for cost-sharing items like coinsurance and copayments. It works alongside Parts A and B, not in place of them. Medicare Advantage (Part C), by contrast, is an alternative way to get Parts A and B through a private plan, often with its own network and extra benefits.

You cannot use both at the same time. If you keep Original Medicare, a Medigap policy can smooth out the share you would otherwise pay yourself. Each lettered plan is standardized by federal rule, so Plan G from one insurer covers the same federal benefits as Plan G from another. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in New Jersey and which plan letters do they offer?

For ZIP code 07102, Medicare.gov's Medigap policy search lists 22 insurers. What is sold can differ by ZIP code and by age, sex and tobacco use, so your own search may show a different mix.

The insurers and the plan letters listed for them are:

Across all 22 insurers, the plan letters sold by at least one are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.

What is the Medigap Open Enrollment Period in New Jersey and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month federal window that begins the first month you are both age 65 or older and enrolled in Medicare Part B. During it, insurers in New Jersey must sell you any Medigap policy they offer, cannot refuse you for health reasons, and cannot charge you more because of your medical history.

Outside this window, insurers may use medical underwriting unless you have a guaranteed-issue right. That can mean higher prices, or being turned down entirely, so the six-month window is the most protected time to buy.

What happens if my Medicare Advantage plan in New Jersey is not returning in 2027?

According to CMS Landscape files, 26 Medicare Advantage plans offered somewhere in New Jersey in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those plans, you have a federal guaranteed-issue right to buy certain Medigap policies, meaning an insurer must sell you specified plans without medical underwriting.

You will receive a non-renewal notice from your plan. Guaranteed-issue rights are time-limited, so check Medicare.gov or call 1-800-MEDICARE to confirm which Medigap plans qualify and by when you must apply.

Does Medigap cover prescriptions in New Jersey, or do I need a Part D plan?

Medigap sold today does not cover prescription drugs. To get drug coverage with Original Medicare and a Medigap policy, you enroll in a separate stand-alone Medicare Part D plan.

For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The 2027 Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33; individual plan premiums are set plan by plan. You can compare drug plans using the Medicare Plan Finder at Medicare.gov.

How should I compare Medigap policies in New Jersey?

Start by picking a plan letter, because benefits are standardized across insurers at the federal level. Then compare insurers on price, customer service and company stability for that same letter, since the covered benefits are identical by law.

Ask each insurer how it sets premiums (for example, by issue age or attained age), whether rates change with age, and how often rates have been adjusted. Plan details, including premiums, come from the Medicare Plan Finder at Medicare.gov, 1-800-MEDICARE, or the insurer's own documents.

Where can I get free Medicare help in New Jersey?

For free, unbiased federal help, go to Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week. Medicare.gov's Medigap policy search lets you enter your ZIP code to see the insurers and plan letters available where you live.

Remember that Annual Enrollment 2027 runs October 15 through December 7, 2026, with coverage taking effect January 1, 2027. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Are Medigap benefits the same from every insurer in New Jersey?
Yes. Medigap plans are standardized by federal letter, so Plan G from one insurer covers the same federal benefits as Plan G from another. Insurers can differ on price, customer service and how they set premiums.
Can I be turned down for Medigap in New Jersey if I apply after my six-month window?
Outside the Medigap Open Enrollment Period, insurers can use medical underwriting unless you have a guaranteed-issue right, such as the one triggered when a Medicare Advantage plan does not return. That can affect whether you are approved and what you are charged.
Do I need a separate drug plan if I have Medigap?
Yes. Medigap sold today does not include prescription drug coverage, so you would enroll in a stand-alone Medicare Part D plan for prescriptions.
When do choices made during Medicare Open Enrollment 2027 take effect?
Annual Enrollment runs October 15 through December 7, 2026, and choices made in that window take effect January 1, 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search results for ZIP code 07102, including the 22 insurers and plan letters.
  • CMS Landscape Source File: the count of 26 Medicare Advantage plans offered in New Jersey in 2026 and not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates and Part D 2027 figures.
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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