Question 1

What are the best Medicare Advantage plans in New Jersey in 2026?

Accepted Answer

The leading Medicare Advantage carriers in New Jersey include UnitedHealthcare (AARP), Horizon Blue Cross Blue Shield of NJ, Aetna, and Humana. The best plan depends on your county, preferred doctors, and prescription drugs. Many NJ counties have $0 premium HMO options with drug coverage included.

Question 2

Are there $0 premium Medicare Advantage plans in New Jersey?

Accepted Answer

Yes. Many New Jersey counties have Medicare Advantage plans with $0 monthly premiums. You still pay your Part B premium ($185/month in 2026), but the Advantage plan itself costs nothing extra. These $0 plans typically have HMO networks and copays for services, so doctor network compatibility is important to check.

Question 3

Does Medicare Advantage cover dental and vision in New Jersey?

Accepted Answer

Most Medicare Advantage plans in New Jersey include some dental, vision, and hearing benefits — coverage that Original Medicare does not provide. Dental coverage typically includes preventive care (cleanings, X-rays) and may include basic restorative work. Vision coverage often includes an annual eye exam and allowance for glasses or contacts.

Question 4

What is the difference between HMO and PPO Medicare Advantage plans in NJ?

Accepted Answer

HMO plans require you to use in-network doctors and get referrals to see specialists. They tend to have lower premiums and copays. PPO plans let you see out-of-network providers at a higher cost and typically don't require referrals. In New Jersey, where many beneficiaries want access to major academic medical centers like RWJBarnabas or Hackensack Meridian, checking network inclusion is critical.

Question 5

Can I switch from Medicare Advantage back to Original Medicare in New Jersey?

Accepted Answer

Yes. You can switch back to Original Medicare during the Annual Enrollment Period (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31). However, if you want to add a Medigap plan after switching back and your 6-month Medigap Open Enrollment Period has passed, insurers may use medical underwriting and could deny coverage based on health conditions. This is why the initial choice between Medicare Advantage and Medigap at 65 is so important.

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Medicare Advantage Questions — New Jersey

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