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The original Medicare Plan is a pay-per-visit health plan that allows a beneficiary to all healthcare providers that accept Medicare nationwide. The initial enrollment period (IEP) for Medicare is between three months before and after reaching the age of 65; late enrollment will result in penalties. In some cases, disability cases are allowed to enroll before this period, specifically from the 22nd to the 28th month of disability. At this point, enrollment in Medicare Advantage plans can be done. Medicare Advantage plans are supplementary health insurance that people who already have Medicare Part A and B can avail of.
General conditions for enrolling in a particular Medicare Advantage plan:
Find an affordable Medicare Advantage plan in New Jersey. Request a quote today >>
In New Jersey, there are at least 42 plans available in at least part of the state. Among these are:
All of which are Medicare Advantage plans with prescription drug coverage* with no monthly premiums. Some Medicare Advantage plans may carry a combination of health benefits more suited to an individual's specific needs but may be subject to a monthly premium that may range from $10 to $500+.
NJ senior insurance options for all health needs and budgets. Request a quote today >>
AARP
Advantra
Aetna
AmeriChoice
AMERIGROUP
AmeriHealth 65
Blue Cross
Evercare
Healthfirst NJ
Humana
SecureHorizons
Sterling Options
Today’s Options
UniCare
WellCare
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* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office
Dental or vision options can be added to your
coverage.
Living longer means paying more for health care.
A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2
Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3