Best Medicare Supplement Plans in New Jersey

Cigna Health Group offers the cheapest Medicare Supplement (Medigap) plans in New Jersey.

In Somerset County, Cigna’s Plan G stands out with a competitive rate of $169.76 per month, while Bergen County residents can access the most affordable Plan N rates with Cigna at just $114.65 monthly.

Cigna offers guaranteed renewable Medigap plans in New Jersey. It has outstanding financial ratings and attractive household discounts, making it an exceptional option for individuals seeking comprehensive coverage.

Important: While Cigna may offer some of the lowest initial premiums for Plan G or Plan N in New Jersey, Horizon Blue Cross Blue Shield of New Jersey stands out as the all-around best value, especially when considering long-term rate stability and reliability.

If saving the most this year is your top priority, Cigna could make sense – but for some, it’s a short-term play that could become more expensive over time.

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, Cigna and Horizon 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.

The Risk of Chasing the Lowest Premium

Before diving into the details of these Medigap providers, it’s important to avoid the mistake of choosing the cheapest option over the best value.

While it may seem cost-effective upfront, this decision can end up costing you more in the long run. Let me explain why.

In 2024, new entrants like Allstate Health Solutions and ACE (a division of Chubb Insurance) made a splash in the New Jersey Medigap market. Offering rock-bottom premiums – often $20 to $30 less per month than long-standing providers like Horizon or Cigna – attracted a wave of interest from budget-conscious retirees.

Their marketing was slick, their branding familiar, and their enrollment processes fast and easy. For many, it seemed like the perfect Medigap solution.

At first, everything went smoothly. Thousands of seniors across New Jersey eagerly switched plans to lock in those low premiums, and brokers reported a surge in demand for these upstart carriers. However, what initially looked like a smart financial move quickly unraveled.

By early 2025, both Allstate and ACE began to pull out of the Medigap market in several states, including New Jersey. This retreat came with little warning, and beneficiaries were left scrambling to find new coverage:

“Allstate’s sudden Medigap withdrawal impacted thousands of members and forced a wave of unplanned transitions. Many beneficiaries found themselves needing to reapply elsewhere – and in some cases, undergoing medical underwriting.”

This was especially stressful for seniors outside their initial 6-month Medigap enrollment window. In some cases, reapplication meant answering health questions, facing potential premium increases, or being denied coverage altogether – a risk many hadn’t anticipated when choosing the cheaper plan.

Worse still, some providers and pharmacies experienced coverage gaps as systems transitioned, leading to delayed reimbursements and billing confusion. What began as a cost-saving decision ended in weeks of phone calls, paperwork, and uncertainty, especially difficult for older adults managing chronic conditions.

The lesson? In the Medigap world, price isn’t everything. Stability, reputation, and a proven track record matter – especially when your coverage can determine your access to care.

Now, let’s look at overviews of both Cigna and Horizon BCBS.

Best Plan G Rates: Cigna

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Plan G Overview:

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

Cigna’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:

68:  $147.62

70:  $153.58

75:  $182.41

Male Ages:

66:  $169.76

70:  $176.62

75:  $209.77

Pros and Cons of Cigna Medigap Plan G

Cigna’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: Cigna Medigap plans are often competitively priced compared to other top insurers.
• Household discounts: Cigna offers discounts of up to 25%.
• Stable company backing: Backed by Cigna’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: Plan G covers Medicare’s out-of-pocket expenses, reducing financial stress for hospital stays, doctor visits, and more.

Cons:

• Fewer Medigap options: Cigna offers only Plans A, F (if eligible), G, and N. Other providers may offer a larger selection of plans, which can provide more pricing flexibility.
• Inconsistent perks availability: Additional perks like the Healthy Rewards program aren’t always available in all areas of New Jersey, so you might not receive the benefits you expect.

Is Cigna a Good Choice For Plan G?

We believe they are a great company. We’ve placed many clients with Cigna 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, 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 $20 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 Plan N

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 Plan N at lower rates than other major carriers.
• 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 fitness benefits (availability in New Jersey may vary).
• Simple underwriting: Cigna offers fair and flexible underwriting outside Medigap Open Enrollment, making it easier to qualify.

Cons:

• Part  D not covered: Like all Medigap plans, Cigna’s policies do not include prescription drug coverage, so you must purchase a separate Medicare Part D plan
• 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 For Plan N?

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, it’s wise to compare rate stability and long-term pricing trends in your specific state before making a final decision.

Best Overall Value: Horizon BCBS

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Horizon BCBS Overview

Horizon is New Jersey’s oldest and largest health insurer, with deep roots and a strong track record of rate stability and customer service.

Their financial strength allows them to manage Medigap rate increases with consistency and transparency, avoiding sudden premium spikes that often occur with newer or for-profit carriers.

Unlike some competitors who lure you in with low teaser rates, Horizon’s Medigap premiums grow at a moderate, predictable pace, giving retirees the confidence that they can budget for the long haul.

Many policyholders report that Horizon’s rate increases are well below industry averages over 5–10 year spans.

Horizon offers comprehensive, nationwide coverage without network restrictions, while providing NJ-based customer service that understands local providers and billing practices.

Horizon Blue Cross Blue Shield is a smart, steady choice if you want to save money now and avoid costly surprises later.

While you might pay a little more upfront than with Cigna, you’re gaining the backing of a decades-strong nonprofit, with a reliable rate history, local service, and the peace of mind that they won’t disappear overnight.

Pros and Cons of Horizon Medigap Plans

Pros:

• Long-term rate stability: Known for moderate, predictable premium increases over time.
• Trusted local presence: Largest and oldest insurer in New Jersey; deeply integrated with local providers.
• Strong financial ratings: Highly rated by AM Best and other agencies for financial strength and claims-paying ability.
• Nationwide coverage: Accepted by any provider who takes Medicare across the U.S.; no networks or referrals required.
• Local customer service: New Jersey-based support teams who understand regional healthcare nuances.
• Wide plan selection: Offers Plans A, C, D, F, G, N, and others, covering the most popular Medigap options.
• Extra member benefits: Some plans may include perks like SilverSneakers®, care management, or wellness discounts.

Cons:

• Higher starting premiums: Often $10–$30/month more than other carriers like Cigna.
• Annual rate increases still occur: While more stable than others, premiums can still rise year to year.
• No built-in prescription drug coverage: Requires a separate Medicare Part D plan for medications (not unique to Horizon, but worth noting).

Our Opinion

If you value predictability, strong local service, and long-term dependability, Horizon BCBS Medigap plans in New Jersey are a top-tier choice.

You might pay a bit more than with newer players, but you’re trading short-term savings for peace of mind and excellent support from a nonprofit insurer with deep roots in the state.

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	Average Monthly Premium
Plan A	$144 – $404
Plan B	$202 – $274
Plan C	$198 – $368
Plan D	$160 – $280
Plan F*	$199 – $369
Plan G	$161 – $280
Plan K	$79 – $133
Plan L	$117 – $183
Plan M	$93 – $254
Plan N	$111 – $189

*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.

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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.

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?

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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 Cigna and Horizon BCBS 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, Cigna and Horizon BCBS 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.

• Do Medigap plans in NJ cover telehealth services?

  Yes – if the telehealth visit is Medicare-approved, your Medigap plan will cover its portion as it would for an in-person visit. That includes your Part B coinsurance or copayment, depending on the plan. This has become especially important post-COVID, with more providers offering virtual care.

• Can I have a Medicare Advantage plan and a Medigap plan at the same time?

  No. It’s actually illegal to be enrolled in both at once. If you’re in a Medicare Advantage (Part C) plan and want to switch to Medigap, you must disenroll from the Advantage plan first, typically during the Medicare Advantage Open Enrollment Period (Jan 1–Mar 31) or the Annual Enrollment Period (Oct 15–Dec 7).

• Does New Jersey offer any state-based Medigap assistance programs?

  The PAAD (Pharmaceutical Assistance to the Aged and Disabled) program helps with prescription costs, and those who qualify may also get assistance through Medicare Savings Programs (MSPs), which can help pay for Part B premiums and out-of-pocket costs. However, there is no state subsidy directly for Medigap premiums.

• How do I know if my NJ doctor accepts my Medigap plan?

  If your doctor accepts Medicare assignment, they automatically accept any Medigap plan, regardless of the insurer. Medigap has no provider networks, making it one of the most flexible forms of coverage for seeing specialists and hospitals.