Compare Cumberland County New Jersey
Medicare Advantage Plans

A Medicare Advantage Plan in Cumberland County, NJ can provide additional benefits above and beyond Original Medicare. There are 37 Medicare Advantage Plans (Part-C) available in Cumberland County from 9 different health insurance providers to compare in 2023. 21 of these Medicare Advantage Plans offer additional gap coverage to help avoid the “donut hole”. The plan with the lowest out-of-pocket expense is $3900 and the highest out-of-pocket is $8300. Cumberland County New Jersey qualifying beneficiaries can also pick from 7 Medicare Special Needs Plans. The highest rated Medicare Advantage Plan in Cumberland County New Jersey received a 4.5 overall star rating from CMS.



Most Popular Plans by Enrollment in Cumberland County, New Jersey

Plan Name Plan ID Marketing Name Monthly
Premium
Enrollment
AARP Medicare Advantage Choice (PPO)
H8768-022
UnitedHealthcare $0 62300
Clover Health Choice (PPO)
H5141-032
Clover Health $0 16458
Aetna Medicare Explorer Premier Plus (PPO)
H5521-278
Aetna Medicare $35.00 10032
Aetna Medicare Explorer Value (HMO)
H3152-082
Aetna Medicare $0 6367
Amerivantage Classic (HMO)
H3240-022
Amerigroup Community Care $0 6006


2023 Medicare Advantage Plans in Cumberland County, NJ

(Click the Plan Name for More Details)
(⇅ Click the Header to Sort)


Name ⇅ Monthly
Premium
Deductible MOOP Gap 2023 Plan
Stars
Rating
Wellcare Premium Enhanced Open (PPO)
(H8711-004)

$70.00 $350.00 $8,300 No
Wellcare No Premium (HMO-POS)
(H0913-002)

$0 $350.00 $8,300 No
Wellcare Giveback (HMO)
(H0913-021)

$0 $350.00 $8,300 No
Wellcare Assist (HMO)
(H0913-015)

$14.90 $505.00 $7,550 No
HumanaChoice H5216-320 (PPO)

$0 $250.00 $8,300 Yes
HumanaChoice H5216-319 (PPO)

$0 $505.00 $8,300 Yes
HumanaChoice H5216-186 (PPO)

$36.00 $505.00 $8,300 Yes
HumanaChoice H5216-185 (PPO)

$0 $0 $8,300 Yes
Humana Gold Plus H6622-066 (HMO)

$0 $0 $7,500 Yes
Clover Health Premier (PPO)
(H5141-054)

$0 $300.00 $8,300 No
Clover Health LiveHealthy Value (PPO)
(H5141-059)

$35.00 $505.00 $8,300 No
Clover Health LiveHealthy (PPO)
(H5141-058)

$0 $150.00 $8,300 No
Clover Health Choice Value (PPO)
(H5141-042)

$35.00 $480.00 $8,300 No
Clover Health Choice (PPO)
(H5141-032)

$0 $0 $8,300 No
Cigna True Choice Savings Medicare (PPO)
(H7849-110)

$0 $0 $7,200 Yes
Cigna True Choice Medicare (PPO)
(H7849-033)

$0 $0 $6,600 Yes
Cigna Preferred Medicare (HMO)
(H3949-032)

$0 $0 $6,600 Yes
Braven Medicare Choice (PPO)
(H0885-005)

$0 $150.00 $6,900 No
Amerivantage Classic (HMO)
(H3240-022)

$0 $200.00 $6,950 Yes
Amerivantage Choice (PPO)
(H8343-007)

$0 $95.00 $7,550 YesNA
Amerivantage Balance (HMO)
(H3240-021)

$15.50 $505.00 $7,550 No
Aetna Medicare SNJ Prime Elite (PPO)
(H5521-123)

$47.00 $250.00 $7,550 Yes
Aetna Medicare Premier Plan (PPO)
(H5521-391)

$0 $300.00 $7,550 Yes
Aetna Medicare Premier (Regional PPO)
(R6694-006)

$120.00 $350.00 $7,550 Yes
Aetna Medicare Explorer Value (HMO)
(H3152-082)

$0 $350.00 $7,550 Yes
Aetna Medicare Explorer Premier Plus (PPO)
(H5521-278)

$35.00 $300.00 $7,550 Yes
Aetna Medicare Explorer Premier 2 (PPO)
(H5521-124)

$97.00 $195.00 $7,550 Yes
Aetna Medicare Explorer Premier (HMO-POS)
(H3152-022)

$67.00 $195.00 $7,550 Yes
Aetna Medicare Explorer Elite (HMO)
(H3152-084)

$0 $250.00 $7,550 Yes
Aetna Medicare Elite 3 (HMO)
(H3152-088)

$0 $300.00 $7,550 Yes
AARP Medicare Advantage Choice Premier (PPO)
(H8768-035)

$35.00 $300.00 $7,550 Yes
AARP Medicare Advantage Choice (PPO)
(H8768-022)

$0 $0 $7,550 Yes






New Jersey Part-C Plans Without Drug Coverage

Plan Name ⇅ Premium Type MOOP 2023 Plan
Stars
Rating
Wellcare Patriot No Premium (HMO)
(H0913-020)

$0 LocalHMO* $7,550
Humana Honor (PPO)
(H5216-116)

$0 LocalPPO* $3,900
Humana Honor (PPO)
(H5216-221)

$0 LocalPPO* $6,700
Cigna Courage Medicare (HMO)
(H3949-051)

$0 LocalHMO* $6,700
Aetna Medicare Eagle (HMO)
(H3152-045)

$0 LocalHMO* $7,550





Medicare Special Needs Plans in Cumberland County New Jersey

Plan Name ⇅ Monthly
Premium
Part D
Deductible
 Gap  Special
Needs
Type
2023 Plan
Stars
Rating
Wellcare Dual Liberty (HMO D-SNP)
(H0913-013)
   $14.00 $505.00  No Dual-Eligible
UnitedHealthcare Nursing Home Plan (PPO I-SNP)
(H0710-026)
   $35.30 $505.00  No Institutional
UnitedHealthcare Dual Complete ONE (HMO D-SNP)
(H3113-005)
   $31.10 $505.00  No Dual-Eligible
Horizon NJ TotalCare (HMO D-SNP)
(H8298-001)
   $35.00 $505.00  No Dual-Eligible
Amerivantage Dual Secure (HMO-POS D-SNP)
(H3240-024)
   $33.90 $505.00  No Dual-Eligible
Amerivantage Dual Coordination (HMO D-SNP)
(H3240-013)
   $29.40 $505.00  No Dual-Eligible
Aetna Assure Premier Plus (HMO D-SNP)
(H6399-001)
   $18.90 $505.00  No Dual-EligibleNA



Types of MA Plan in NJ


HMO - Health Maintenance Organization. A Health Maintenance Organization manages your Part A and Part B health insurance benefits. In most cases you need to choose a primary care doctor. Health Maintenance Organization's offers services through a network of contracted hospitals, doctors and other providers, and the plan pays the providers directly. You generally must receive all Healthcare from the plan providers or through referrals from the plan provider. Emergency care, and out-of-area urgent care is still covered. An HMO-POS plan allows you to get some services out-of-network.

PPO - Preferred Provider Organization. A Preferred Provider Organization offers a network of doctors, hospitals, and other providers you can choose from. Because providers are preferred, you can save money by using in network providers or usually pay a higher cost to use out-of-network providers. A primary care doctor is not required.

PFFS - Private Fee For Service. A Private Fee For Service plan allows you greater flexibility in choosing a New Jersey provider. You may obtain covered services from any Medicare eligible provider who is willing to accept the plan's terms. The Healthcare provider must agree to accept the plan's terms before each visit. Some of these plans have a network of approved providers that have agreed to treat plan members.

SNP - Special Needs Plan. A Special Needs Plan is for individuals who receive Medicare and Medicaid, have specific severe or disabling chronic conditions or reside in a licensed nursing home or skilled facility. SNP plans must provide prescription drug coverage to Cumberland County New Jersey residents.

Cost - Cost Plan. A cost plan doesn't replace your Original Medicare. It offers additional benefits to Original Medicare. If the cost plan doesn't include prescription drug coverage, you can enroll in a Part-D plan separately.





Can I get help in the coverage gap in Cumberland County, NJ?


Yes. 21 Medicare Advantage Plans in Cumberland County offer additional gap coverage. Once in the coverage gap, you’ll pay no more than 25% of the cost for brand-name and generic prescription drugs. If you choose a drug plan that includes coverage in the gap, you may get a discount applied to the drug's price.

Are there Medicare Advantage Plans in Cumberland County, NJ?


There are 37 Medicare Advantage Plans available in Cumberland County, New Jersey from 9 different health insurance providers. These plans offer additional benefits that aren't available through Original Medicare. Medicare beneficiaries who are interested in a Part-C policy may choose among many plans to compare versus Essex County Medicare Advantage Plans.



How much is a Medicare Plan in Cumberland County, NJ?


Individuals who are interested in a Medicare Advantage Plan in New Jersey may choose among many cost options depending on your necessary benefits. The lowest plan premium is $0 and the highest premium is $120. The deductibles in Cumberland County range from $0-$505. The plan with the lowest out-of-pocket (MOOP) expense is $3900 and the highest out-of-pocket is $8300.



Things to consider when choosing a MA Plan in Cumberland


  • Are you eligible for a Medicare Advantage Plan?

  • How much are the premiums, deductibles, and other costs?

  • Is there a yearly limit on what you could pay out-of-pocket?

  • Does the plan cover your prescription drugs?

  • Will you hit the prescription drug coverage gap?

  • Is your pharmacy in the plan’s network?

  • Will your prescription drugs require prior authorization?

  • How well does the plan cover the services you need like vision, hearing, or dental?

  • Are your doctors in-network?

  • Will you need to be referred to see a specialist?

  • Does the plan cover services from out-of-network providers?

  • How does the plan compare to your current coverage?

  • Do you want to juggle multiple Medicare plans?


Special Needs Plan in Cumberland County Explained


C-SNP - Chronic Condition SNP. These plans help individuals receive customized care to fit their unique health care needs. You may qualify for C-SNP if you have one or more specific severe or disabling chronic conditions like:

  • Stroke
  • Certain neurologic disorders
  • Certain chronic and disabling mental health conditions
  • HIV/AIDS
  • Certain chronic lung disorders
  • Diabetes mellitus
  • End-Stage Renal Disease (ESRD)
  • End-stage liver disease
  • Certain severe hematologic disorders
  • Chronic alcohol and other drug dependence
  • Certain cardiovascular disorders
  • Cancer
  • Chronic heart failure
  • Certain autoimmune disorders
  • Dementia

I-SNP - Institutional SNP. These plans require 90 days or longer stay in a facility, or are expected to need the level of services provided in a long-term care (LTC) skilled nursing facility (SNF), a LTC nursing facility (NF), an intermediate care facility for individuals with intellectual disabilities, or an inpatient psychiatric facility.

D-SNP - Dual Eligible SNP. New Jersey Medicare and Medicaid enrollees who have limited income and resources may get help paying for their premiums and out-of-pocket medical expenses from Medicaid. Eligibility is based on a percentage of Federal Poverty Levels.


When to sign up for a New Jersey Medicare Advantage Plan?


Below mentioned are the types of the enrollment period, along with the instructions on what to do during this period:

Initial Enrollment Period (IEP). This period starts 3 months prior to the month you will turn 65. It ends after 3 months you have turned 65. At this stage, you can sign up for a New Jersey Medicare Advantage Plan.

Annual Enrollment Period (AEP). Also known as the Open Enrollment Period, it starts on the 15th of October and ends on the 7th of December. At this stage, you can either sign up for the plan, switch or leave your current plan.

Special Enrollment Period (SEP). This enrollment period depends on the personal circumstances of the beneficiaries, like if you move or lose insurance coverage. Check to determine if you qualify to modify your plan.

Open Enrollment Period. Jan 1 – Mar 31. If you’re enrolled in a New Jersey Medicare Advantage Plan, you can switch to a different Medicare Part-C Plan in Cumberland County, NJ or switch to Original Medicare once during this time.

5-star Special Enrollment Period. Dec 8 - Nov 30. If a Centers for Medicare and Medicaid Services (CMS) 5-star plan is available in your area you can switch to the 5-star plan once during this period.



Check for CMS Star Ratings

Centers for Medicare & Medicaid Service (CMS) assesses the quality of medical services of Medicare Advantage Plan using a 5-star rating system. A report is released yearly for the public to assess the quality of healthcare services. Thus, if you are searching for the highest Medicare Advantage Plan in your state, research the CMS ratings and costs of the plans report for further information.


Can I get a Medicare Advantage Plans in Cumberland County, NJ?

Yes. There are 37 Medicare Advantage Plans available in Cumberland County, New Jersey from 9 different health insurance providers. These plans offer additional benefits that aren't available through Original Medicare.

How much is a Medicare Plan in Cumberland County, New Jersey?

New Jersey residents who are interested in a Medicare Advantage Plan may choose among many cost options depending on your necessary benefits. The lowest plan premium is $0 and the highest premium is $120. The deductibles in Cumberland County range from $0-$505

Can I get help in the coverage gap in Cumberland County, NJ?

Yes. 21 Medicare Advantage Plans in Cumberland County offer additional gap coverage. Once in the coverage gap, you’ll pay no more than 25% of the cost for brand-name and generic prescription drugs. If you choose a drug plan that includes coverage in the gap, you may get a discount applied to the drug's price.

What is the most popular plan in Cumberland, NJ?

The most popular plan by enrollment in Cumberland is the AARP Medicare Advantage Choice (PPO) with 62300 enrollment.



Source: CMS. Data as of Oct 1, 2022.
Plans are subject to change as contracts are finalized.
Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded. For 2023, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.


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MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.