Best Medicare Supplement Plans in New Jersey

Allstate Health Solutions and Cigna Health Group offer the best Medicare Supplement (Medigap) plans in New Jersey.

In Somerset County, Allstate’s Plan G stands out with a competitive rate of $166.55 per month, while Bergen County residents can access the most affordable Plan N rates with Cigna at just $114.65 monthly.

Allstate and Cigna offer guaranteed renewable Medigap plans in New Jersey. Both companies have outstanding financial ratings and offer attractive household discounts, making them an exceptional option for individuals seeking comprehensive coverage.

More than 496,040 residents in New Jersey are currently benefiting from Medicare Supplement coverage. Notably, 29% of the population has chosen Medigap Plan G, while a slightly lower 18% have opted for Medigap Plan N.

Over the years, we’ve worked with many reputable insurance companies and rely on them for our Medigap clients.

In New Jersey, Allstate and Cigna stand out as top Medigap providers due to their affordability and financial stability. However, the best company for you depends on the specific plan letter you choose.

With ten standardized Medigap plans in New Jersey, benefits remain the same across providers, though pricing varies. For example, one company may offer a lower-cost Plan N, while another has a better-priced Plan G. Each provider has strengths and weaknesses depending on the plan.

Let’s take a closer look at the features of each plan.

Best Plan G Rates: Allstate

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Plan G Overview:

The benefits offered with Plan G with Allstate are comprehensive. No referrals are required; you can pick any medical provider as long they participate in the Original Medicare network.

Allstate’s Medigap plans have many attractive features, including household discounts, fast underwriting, and high customer satisfaction rates.

Plan G Helps Pay the Following:

• Original Medicare Part A deductible
• Part B coinsurance or copays
• Part B excess charges
• Foreign travel emergency care
• Other services such as hospice care, skilled nursing facilities, etc.

Average Medigap Plan G Cost in Somerset County, NJ:

Female Ages:

65:  $144.86

70:  $153.58

75:  $182.41

Male Ages:

68:  $166.55

70:  $176.62

75:  $209.77

Pros and Cons of Allstate Medigap

Allstate’s Medicare Supplement plans provide standardized Medigap coverage similar to other insurers but with their own underwriting guidelines, pricing, and benefits. Below is a breakdown of their pros and cons.

Pros:

• Competitive Pricing – Allstate Medigap plans are often competitively priced compared to other top insurers.
• Household Discounts – Allstate offers discounts if multiple household members have policies.
• Stable Company Backing – Backed by Allstate’s strong financial stability, ensuring reliable claims and coverage.
• Guaranteed Renewable – Your policy can’t be canceled as long as premiums are paid.
• Covers Out-of-Pocket Costs – Plans like Plan G or N cover Medicare’s out-of-pocket expenses, reducing financial stress for hospital stays, doctor visits, and more.

Cons:

• Limited Availability – Allstate Medigap plans are not available in all states, so coverage may be restricted based on location.
• Discounts Vary – Not all discounts are universally accessible.

Is Allstate a Good Choice?

We believe they are a great company. We’ve placed many clients with Allstate here at Policy Guide, Inc., and have seen firsthand how their Medicare Supplement plans provide strong coverage and competitive pricing.

However, it’s always best to compare rates, discounts, and financial strength ratings against other top insurers, such as Mutual of Omaha, Aetna, Cigna, ACE, and UnitedHealthcare (AARP), to ensure you’re getting the best deal.

Best Plan N Rates: Cigna

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Plan N Overview:

Medigap Plan N from Cigna allows you to visit any doctor that accepts Original Medicare. Your benefits are set each year if you choose this plan, and it has a $25 copay for office visits and a $50 copay for ER visits.

Cigna also provides convenient options to bundle dental, vision, or hearing coverage for an additional monthly premium as low as $32.

Plan N Helps Pay the Following:

• Original Medicare Part A and B coinsurance
• Part A deductible
• Emergency care
• Foreign travel medical emergency expenses
• Other services such as hospice care, skilled nursing facilities, etc.

Average Medigap Plan N Cost in Bergen County, NJ:

Female Ages:

65:  $99.70

70:  $110.05

75:  $130.70

Male Ages:

68:  $120.45

70:  $126.55

75:  $150.30

Pros and Cons of Cigna Medigap

Cigna has been a trusted name in the Medicare market for decades. It offers reliable Medigap plans with strong financial stability and excellent customer service.

Their long-standing presence in the industry makes them a solid choice for beneficiaries seeking comprehensive Medicare Supplement coverage. Below are the pros and cons of Cigna Medigap plans.

Pros:

• Competitive Pricing – In many states, Cigna offers Medigap plans at lower rates than other major carriers.
• Household Discount – A 7% discount is available in many states for couples or those living together.
• Strong Financial Ratings – Cigna’s solid financial ratings ensure claims are paid without issue.
• Additional Perks – Some plans include wellness programs, vision/hearing discounts, and Silver&Fit fitness benefits (varies by state).
• Simple Underwriting – Cigna offers fair and flexible underwriting outside Medigap Open Enrollment, making it easier to qualify.

Cons:

• Premium Increases—While initially competitive, some Cigna policyholders have reported premium increases over time that may be higher than those of other carriers.
• Limited Plan Selection in Some States – Not all Medigap plans are available in every state, so choices may be more restricted in certain areas.
• Customer Service Wait Times – While Cigna’s overall customer service is strong, some users have reported longer wait times when calling for assistance.

Is Cigna a Good Choice?

Cigna is a top-tier Medicare Supplement provider, well-suited for those who value financial stability, comprehensive coverage, and a long-standing presence in the Medicare market.

Their household discounts, competitive initial pricing, and added perks make them a great option. However, as with any Medigap plan, comparing rate stability and long-term pricing trends in your specific state is wise before making a final decision.

How Much Does a Medicare Supplement Cost in New Jersey?

When evaluating Medicare Supplement (Medigap) plans in New Jersey, it’s essential to compare the monthly premiums across the different standardized plans.

Below is a chart summarizing the available plans and their respective premium ranges:

Medigap Plan	Monthly Premium Range
Plan A	$148 – $198
Plan B	$209 – $237
Plan C	$207 – $337
Plan D	$165 – $226
Plan F*	$198 – $302
Plan G	$166 – $240
Plan K	$79 – $176
Plan L	$117 – $250
Plan M	$93 – $254
Plan N	$114 – $167

*Plan F is only available to individuals eligible for Medicare before January 1, 2020.

These premium ranges are based on data from various insurance providers in New Jersey and are for sample purposes only.

• Important to Note:

  Premiums vary based on location, age, gender, and tobacco use. Additionally, some providers may offer discounts or additional benefits.

  Therefore, comparing multiple insurance companies to obtain personalized quotes tailored to your specific circumstances is highly recommended.

Plan G vs. Plan N: Which Is Right for You?

When choosing between Medigap Plan G and Medigap Plan N, it’s crucial to understand the differences in coverage, cost, and out-of-pocket expenses.

Coverage Differences

Plan G covers everything that Plan F does except for the Medicare Part B deductible ($257 in 2025). This means it provides comprehensive coverage with minimal out-of-pocket expenses.

Plan N covers the same benefits as Plan G except for Part B excess charges and requires copays for doctor visits ($20) and emergency room visits ($50).

Cost Comparison

Plan G typically has higher monthly premiums than Plan N but offers more predictable healthcare costs.

Plan N generally has lower premiums but requires some out-of-pocket expenses for copays and potential excess charges if you see a provider who does not accept Medicare assignment.

Out-of-Pocket Expenses

With Plan G, the only out-of-pocket cost is the Part B deductible, with no additional copays or excess charges.

With Plan N, you’ll pay $20 for doctor visits, $50 for emergency visits, and any Part B excess charges (if applicable).

In a nutshell: Plan G has more predictable costs and comprehensive coverage without worrying about copays or excess charges. Plan N has occasional copays and a lower monthly premium while still having strong coverage.

Both plans are great options, but your choice should be based on your healthcare needs, financial situation, and whether your doctors accept Medicare assignment.

Which Medigap Plan Should I Pick?

When selecting a Medigap plan, it’s important not to get overwhelmed by all the available options. Instead, most people opt for the most comprehensive plan, which you can see below: Medigap Plan G.

#1. Plan G is the most popular and comprehensive Medigap plan, with approximately 5.3 million enrollees, or 39% of all Medigap policyholders.

#2. Plan N has about 1.5 million enrollees, appealing to those who want lower monthly premiums but are comfortable with some out-of-pocket expenses.

#3. High Deductible Plan G has over 800,000 enrollees. It offers a low-premium alternative with higher out-of-pocket costs before full coverage kicks in.

Do Most Doctors Accept Medicare Supplement Plans?

Absolutely! One of the biggest advantages of Medicare Supplement plans (Medigap) over Medicare Advantage is that they offer nationwide acceptance. If a doctor or hospital accepts Original Medicare, they automatically accept Medicare Supplement plans—no networks, no referrals, and no restrictions.

This means over 90% of doctors and hospitals across the U.S. will take your Medicare Supplement plan without question.

Unlike Medicare Advantage plans, which often require you to stick to an HMO or PPO network with limited provider choices, Medigap allows you to see any Medicare-approved provider anywhere in the country.

Why Does This Matter?

No network headaches – You never have to worry about whether a provider is “in-network” or “out-of-network.”

More doctor choices – You can see any specialist who takes Medicare without needing a referral.

Great for travelers – Whether at home or traveling, your coverage stays the same.

If access to top-quality healthcare without restrictions is a priority for you, a Medicare Supplement plan is a smart choice over Medicare Advantage. You get more freedom, fewer hassles, and broader access to care.

Medigap vs. Medicare Advantage: Which is Better in New Jersey?

Medigap provides superior coverage compared to Medicare Advantage, especially for those who want greater flexibility and fewer out-of-pocket expenses. Here’s why Medigap is the better choice:

• Freedom to Choose Any Doctor – Medigap allows you to see any doctor or specialist who accepts Medicare without network restrictions.
• No Referrals Required – Unlike Medicare Advantage, Medigap does not require referrals to see specialists.
• Lower Out-of-Pocket Costs –Medigap minimizes out-of-pocket expenses, while Medicare Advantage plans often have high copays and deductibles.
• Nationwide Coverage – Medigap works anywhere in the U.S., whereas Medicare Advantage plans have regional restrictions.
• No Surprise Medical Bills – Medigap covers costs upfront, while Medicare Advantage plans often have hidden expenses and high maximum out-of-pocket limits.

Let’s break down some real-life scenario costs and see how Medigap compares to Medicare Advantage.

Cost Comparison: Medigap vs. Medicare Advantage

Service	Medigap Plan G/N	Medicare Advantage
Doctor Visits	$0 (after deductible for Plan G) / $20 copay (Plan N)	$20-$50 per visit
ER Visits	$0 (Plan G) / $50 copay (Plan N)	$90-$150 per visit
Hospital Stays	$0 (Medigap covers all Part A costs)	$350+ per day for the first 5-7 days
Outpatient Testing	$0 (after deductible for Plan G)	20%-40% coinsurance per test
Surgery	$0 (after deductible for Plan G)	20%-40% coinsurance varies by plan
Annual Out-of-Pocket Limit	No limit (Medigap covers all costs after deductible)	$4,000-$8,000, varies by plan

The Answer: Medigap Wins

Medigap is the best choice for those who want the best possible coverage with fewer financial surprises. Medicare Advantage may seem attractive with its lower upfront premiums.

Still, the higher out-of-pocket costs, network restrictions, and limited coverage make Medigap a much better option for long-term healthcare security.

• Bonus Tips:

  Tobacco rates will not apply if you purchase Medigap during your Open Enrollment Period. This allows individuals to obtain health insurance coverage without facing denials or higher premiums due to tobacco use.

  Tobacco rates also do not apply in guaranteed issue situations.

How Often Do Medigap Rates Increase?

When Can I Enroll in a Medigap Plan?

A Medicare Supplement (Medigap) policy is one of the best ways to protect yourself from high out-of-pocket healthcare costs in retirement. However, timing is crucial when it comes to buying a Medigap plan.

If you enroll at the right time, you’ll have guaranteed access to coverage without medical underwriting. If you wait too long, you may be subject to higher premiums or even denied coverage based on your health.

The Best Time to Buy a Medigap Policy: Your Medigap OEP

Your Medigap Open Enrollment Period (OEP) is the six-month window that starts when you are BOTH:

• 65 or older
• Enrolled in Medicare Part B

During this period, you have a guaranteed right to purchase any Medigap policy available in your state, regardless of your health conditions. Insurance companies cannot deny you coverage or charge you higher premiums due to pre-existing conditions.

Enrolling during these six months is the best and easiest way for most people to secure a Medicare Supplement plan.

💡 Why Is This Important?

Missing this one-time opportunity could subject you to medical underwriting. This means the insurance company may deny your application, increase your premiums based on your health history, or enforce waiting periods for pre-existing conditions.

Buying a Medigap Policy After Your Open Enrollment Period

If you try to buy a Medigap policy outside of your Open Enrollment Period, you will likely have to answer health questions and go through medical underwriting. Some insurance companies may still approve you, but they have the right to deny coverage or increase your premiums.

However, there are some situations where you have guaranteed issue rights, meaning you can buy a Medigap policy without underwriting, even outside your Open Enrollment Period. These include:

• Losing Other Coverage – If you had employer-based Medicare coverage or a Medicare Advantage plan that is ending.
• Your Medicare Advantage Plan Is Discontinuing Coverage – If your plan is leaving Medicare or you move out of the plan’s service area.
• You’re in a Trial Right for Medicare Advantage – If you joined a Medicare Advantage plan but decided to switch back to Original Medicare within the first 12 months, you can still get a Medigap policy without underwriting.

• Remember:

  While you can apply to change your Medigap policy at any time, whether you’re approved depends on medical underwriting – unless you qualify for a special guaranteed issue right.

Changing Medigap Plans Without Medical Underwriting

There are certain situations where you can switch Medigap policies without worrying about health questions:

#1. Within the First 30 Days of a New Plan (“Free Look Period”) – If you switch Medigap plans, you have 30 days to decide if you want to keep the new plan. However, you must continue paying for your old plan during this time.

#2. Certain State Laws – Some states, like Connecticut, Maine, and New York, allow year-round Medigap enrollment without underwriting. Other states offer limited “Birthday Rules” or anniversary rules that let you switch plans without underwriting during a specific window.

#3. If You Have a Guaranteed Issue Right – If you qualify for a special guaranteed issue right, such as losing your Medicare Advantage plan or employer coverage, you can switch to a Medigap plan without underwriting.

💡 Tip: If you’re considering changing Medigap policies, it’s best to apply before canceling your current plan to ensure you get approved.

The Bottom Line

After years in the industry and helping countless people find coverage, we have come to love Allstate and Cigna above the rest in New Jersey. Our clients who choose them often stay with them long-term; they are simply that good.

Regarding value and enrollment speed, Allstate and Cigna can’t be beaten. They also have an excellent track record for paying claims quickly.

Choosing the right Medicare plan is a crucial decision. At Policy Guide, we have extensive experience assisting Medicare beneficiaries. We understand that New Jersey has no “perfect” Medicare Supplement plan. When you work with us, you gain access to the knowledge and expertise of our professional agents.

They will help you compare health plans, Medigap rates, and policy benefits, ensuring you are well-informed. Let us guide you through this process and find the plan that meets your needs.

Article Sources:  Cigna | Age Affecting Prices | Compare Plans | New Jersey Medigap Benefits  | NJ AHIP

Frequently Asked Questions

• When is the best time to enroll in a Medigap plan in New Jersey?

  During your six-month Medigap open enrollment period, you can apply for coverage. This period commences automatically when you reach the age of 65 and enroll in Medicare Part B. It’s important to note that, regardless of your health, you can select any Medigap policy available in New Jersey during this time.

  While obtaining coverage after this enrollment window is still possible, it may come at a higher cost as insurance providers evaluate your health, including any preexisting conditions, during the underwriting process.

  We recommend you consult your insurance agent to understand the deadlines and enrollment periods.

• Is there a Medicare Supplement plan in New Jersey that covers everything?

  If you were eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. However, Plan G typically provides more coverage than other options if you became eligible after that date.

• Who is the best Medicare Supplement provider in New Jersey?

  Allstate and Cigna offer the best Medicare Supplement plans in New Jersey.