Medicare Broker in Passaic County, New Jersey
A Medicare broker serving Passaic County compares Medicare Supplement and Medicare Advantage plans from multiple carriers — for Paterson, Clifton, Passaic, Wayne, and every other Passaic 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 Passaic County clients by phone and video. That works because Medigap rates are filed at the state level — the filed rate you'd be quoted on Main Street in Paterson is the same one I pull from my office, and this site publishes the same data I use on those calls.
Call for Free Advice — 855-559-1700What Medigap costs Passaic 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. A July 2026 check of a representative ZIP code in all 21 New Jersey counties — Passaic included — returned identical Plan G and Plan N filed-rate ranges statewide, so this table is Passaic County's pricing, not an estimate.
| Plan | Lowest filed rate | Highest filed rate | Carriers quoting |
|---|---|---|---|
| Plan G | $148/mo | $261/mo | 18 |
| Plan N | $107/mo | $209/mo | 19 |
Quoted at sample ZIP 08002 (Cherry Hill); Passaic County ZIPs see the same filed rates. Your exact premium depends on age, ZIP, and household discount eligibility. See the full NJ Medigap Rate Index for the complete dataset.
New Jersey Medigap rules that protect Passaic 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.
Passaic County by the numbers
Passaic County had an estimated 526,600 residents in 2024, according to U.S. Census Bureau population estimates. Paterson, the county seat, is New Jersey's third-largest city with 158,735 residents per the Census Bureau's 2020–2024 American Community Survey 5-year estimates — behind only Newark and Jersey City.
Roughly 87,200 Passaic County residents, or about 16.6% of the county, were age 65 or older in 2024, per Census Bureau estimates — a slightly smaller senior share than New Jersey's statewide 18%. That doesn't make Medicare decisions less important for the county's seniors; it just means fewer neighbors are comparing notes on plans, which is exactly where an independent broker who works the filed rates every day can help.
Passaic County is also one of New Jersey's most diverse counties: an estimated 35.9% of residents were born outside the United States, per 2024 American Community Survey 1-year estimates. That matters for Medicare Advantage shopping in particular, since plan availability and provider directories can look very different depending on which language and cultural-competency resources a plan offers. Free, unbiased counseling in multiple languages is available through NJ SHIP, and I can walk through plan documents with you or a family member either way.
Medicare Advantage networks in Passaic County
Unlike Medigap, Medicare Advantage is local: networks and plan availability are set county by county. Passaic County has three hospital campuses anchoring most local networks:
- St. Joseph's University Medical Center in Paterson — a 651-bed academic medical center and the flagship of St. Joseph's Health, which also operates the smaller St. Joseph's Wayne Medical Center in Wayne.
- St. Mary's General Hospital in Passaic — owned and operated by Prime Healthcare since 2014, serving Passaic, Clifton, and surrounding towns with cardiovascular, cancer, and maternal-child services.
- Chilton Medical Center in Pompton Plains — part of Atlantic Health System, with a Leapfrog Group “A” hospital safety rating as of its Spring 2026 assessment.
A plan that covers your St. Joseph's cardiologist may treat a Chilton specialist as out-of-network, and contracts between plans and hospital systems get renegotiated every year. Confirm your hospital, your doctors, and your prescriptions are in-network before enrolling in any Medicare Advantage plan.
Passaic County also has a sizable population of residents who qualify for both Medicare and Medicaid. If that's you, Dual-Eligible Special Needs Plans (D-SNPs) are worth a look: multiple D-SNPs are offered in Passaic County for 2026, designed for dual-eligible beneficiaries and often including extra benefits with low or no cost sharing. I can check your eligibility and compare the D-SNPs available in your ZIP code.
Medicare help by Passaic County town
Local guides for the Passaic County towns we serve most:
- Medicare agents in Clifton
- Medicare agents in Passaic
- Medicare agents in Paterson
- Medicare agents in Wayne
Also serving Totowa, Hawthorne, Pompton Lakes, West Milford, Ringwood, Little Falls, and every other Passaic County municipality by phone and video from our Cherry Hill office.
Talk to a Passaic County Medicare Broker
Free comparison across carriers — Paterson, Clifton, Passaic, Wayne, and all of Passaic 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