Medicare Broker in Morris County, New Jersey
A Medicare broker serving Morris County compares Medicare Supplement and Medicare Advantage plans from multiple carriers — for Morristown, Parsippany-Troy Hills, Denville, and every other Morris County town — at no cost to you. Premiums are the same whether you enroll through a broker or directly with a carrier; the difference is that a broker shows you every option side by side instead of one company's.
I'm Anthony Orner, an independent Medicare broker licensed in New Jersey and 34 other states (NPN 20586791), based at 1309 Route 70 West in Cherry Hill. I serve Morris County clients by phone and video. That works because Medigap rates are filed at the state level — the filed rate you'd be quoted in Morristown or Randolph is the same one I pull from my office, and this site publishes the same data I use on those calls. Morris County is home to about 524,300 residents as of the U.S. Census Bureau's 2025 population estimate, with roughly 100,200 people — around 19% of the county — age 65 or older based on 2024 American Community Survey figures.
Call for Free Advice — 855-559-1700What Medigap costs Morris County residents right now
These are statewide New Jersey filed rates for a 65-year-old non-smoking woman, verified against carrier rate filings as of 2026-07-12. The spread between the cheapest and most expensive carrier for identical benefits is why comparing before you enroll matters.
| Plan | Lowest filed rate | Highest filed rate | Carriers quoting |
|---|---|---|---|
| Plan G | $148/mo | $261/mo | 18 |
| Plan N | $107/mo | $209/mo | 19 |
Your town doesn't change your Medigap rate — your carrier does.
On 2026-07-13 we pulled Plan G and Plan N quotes for a ZIP code in all 21 New Jersey counties, including Morris. The filed rate ranges came back identical everywhere. So for a Morris County resident, the question is never which county am I in — it's which carrier do I pick across a $113/month Plan G spread for the same benefits.
Quoted at sample ZIP 08002 (Cherry Hill); NJ Medigap carriers price statewide, so Morris County ZIPs see the same filed rates. Your exact premium depends on age, carrier, and household discount eligibility — not your ZIP code. See the full NJ Medigap Rate Index for the complete dataset.
New Jersey Medigap rules that protect Morris County buyers
- Six-month Open Enrollment Period. Your Medigap OEP starts when you're 65+ and enrolled in Part B, and lasts six months. During it, carriers must accept you regardless of health history. Outside that window, federal guaranteed-issue rights apply only in specific situations — like losing employer coverage or a Medicare Advantage plan leaving your area.
- Tobacco-neutral pricing during OEP. New Jersey prohibits tobacco rate differentials during the Medigap Open Enrollment Period — a consumer protection most states don't offer.
- Apply early to lock your rate. You can apply for a Medigap policy up to six months before your Part B effective date. Applying early locks in your rate and guarantees no coverage gap.
Medicare Advantage networks in Morris County
Unlike Medigap, Medicare Advantage is local: networks and plan availability are set county by county. In Morris County, two hospital systems anchor most plan networks:
- Atlantic Health System — Morristown Medical Center, the system's flagship hospital and the largest medical center in Morris County and northwestern New Jersey, plus Chilton Medical Center in Pompton Plains. Morristown Medical Center serves as the region's trauma center.
- Saint Clare's Health — Denville Hospital and Dover Hospital, which together with behavioral health locations in Boonton, Denville, and Parsippany also serve neighboring Sussex and Warren counties.
Before enrolling in any Advantage plan, confirm that your hospital, your doctors, and your prescriptions are in-network — two plans with identical premiums can have very different Morris County networks depending on which system they contract with.
Morris County is also home to a number of larger active-adult and continuing care communities, including Cedar Crest, a large 62-and-over community in Pompton Plains. Residents in communities like these often ask whether their community has a preferred health system relationship — worth checking against your plan's network before you enroll rather than after.
Medicare help across Morris County
We work with Medicare beneficiaries across every Morris County municipality by phone and video from our Cherry Hill office.
Also serving Morristown, Parsippany-Troy Hills, Denville, Randolph, Rockaway, Mount Olive, Madison, and every other Morris County municipality — call and we'll pull the filed rates for your exact ZIP code.
Talk to a Morris County Medicare Broker
Free comparison across carriers — Morristown, Parsippany, Denville, and all of Morris County.
855-559-1700Start a Free QuoteFrequently Asked Questions
Go deeper on New Jersey Medicare
- New Jersey Medicare Broker — all 21 counties
- Best Medicare Supplement Plans in New Jersey (2026)
- NJ Medigap Rate Index — every carrier's filed range