How much is Medicare Plan G in NJ for a 70-year-old?

Plan G premiums for a 70-year-old in New Jersey typically range from around $150 to over $350 per month depending on the carrier, your ZIP code, and whether the company uses attained-age or issue-age pricing. Call us at 855-559-1700 for an exact quote with your details.

Do Plan G premiums increase with age?

With attained-age carriers, yes. Your premium rises as you get older. Issue-age carriers base your rate on the age you enrolled, so annual increases come from inflation and medical costs rather than birthdays. New Jersey offers both types.

How much cheaper is Plan G than Plan F?

Plan F is no longer available to people who became eligible for Medicare after January 1, 2020. For those grandfathered into Plan F, the premium is often higher than Plan G even though Plan G only differs by requiring you to pay the $283 annual Part B deductible yourself.

Can I switch Medigap carriers at age 70 in New Jersey?

Yes. New Jersey has a yearly 30-day open enrollment window around your Medigap policy anniversary. You can also switch anytime if you pass medical underwriting. A licensed broker can help you find the right timing and carrier.

Plan G Rates for 70 Year Old in New Jersey: What Every Carrier Charges

Plan G rates for a 70-year-old in New Jersey spread across a wide range depending on which carrier you pick, where you live, and how that company prices its policies. I've seen monthly premiums differ by $150+ for the exact same coverage in the same county.

That gap is real money. Here's what drives it and how to land on the right side.

Call for Free Advice — 855-559-1700

2025 Plan G premiums for 70-year-olds across NJ carriers

Every Plan G policy sold in New Jersey covers the same benefits. The only difference is the premium. For a 70-year-old, monthly rates typically fall between $150 and $350+, depending on the insurer.

Some carriers sit well under $200/month. Others charge over $300 for identical coverage. The New Jersey Department of Human Services publishes rate charts you can review, but the fastest way to compare is a side-by-side quote from a broker who works with all major carriers.

Why your ZIP code changes your monthly rate

Carriers divide New Jersey into rating areas. A 70-year-old in Bergen County may pay a different premium than someone the same age in Cape May. Healthcare costs, hospital networks, and local claims data all factor in.

Your exact ZIP code matters. When you call for a quote, have it ready.

Issue-age vs. attained-age carriers available in New Jersey

Attained-age: Your premium goes up as you age. Most NJ carriers use this model. At 70, your rate is already higher than what a 65-year-old pays with the same company.
Issue-age: Your rate is based on the age you first enrolled. Annual increases still happen due to medical inflation, but you avoid the age-based bump each birthday.

If you're enrolling at 70, an issue-age carrier locks your rate class now rather than letting it climb through your 70s and 80s. That difference compounds.

How to switch carriers at 70 without a coverage gap

New Jersey gives Medigap policyholders a 30-day open enrollment window each year around your policy anniversary date. During that window, you can switch to a new carrier without answering health questions.

Outside that window, you'll need to pass medical underwriting. A licensed broker coordinates the timing so your old plan ends the day your new plan starts. No gap.

What Plan G covers (and what you still pay)

Plan G covers everything Original Medicare doesn't except the Part B deductible, which is $283/year in 2026. That means:

$0 out-of-pocket for the $1,676 Part A deductible
$0 for skilled nursing coinsurance ($209.50/day for days 21-100)
$0 for Part B excess charges
Foreign travel emergency coverage included

Your only cost beyond the monthly premium: that $283 deductible once a year.

Don't wait for next year's rate increase

I talk to people who stayed with an overpriced carrier for years because switching felt complicated. It's not. A 10-minute call gets you a side-by-side comparison. If a better rate exists, we handle the paperwork.

If you switched from Plan G to a Medicare Advantage plan and regret it, getting back may require medical underwriting. That reality makes the decision harder to reverse the longer you wait.

Get your personalized Plan G rate in minutes.

Call 855-559-1700 or Get a Free Quote online.

Licensed NJ broker. No obligation. No pressure.