Best Medicare Supplement Plans in New Jersey

Written by: 
Matt Kiggins
Last updated: 
May 31, 2023

Medicare Supplement plans in New Jersey help beneficiaries pay out-of-pocket expenses left after Medicare covers initial healthcare expenses. There are ten Medigap plans available to choose from.

  • Of the ten plans, Mutual of Omaha offers the best Medigap Plan G rates at $144 per month for the most comprehensive coverage.
  • Mutual of Omaha's Medicare Supplement Plan N offers the best value for $98 per month.
  • And for those wanting the lowest possible monthly premium, Mutual of Omaha's version of the High Deductible Plan G is offered for $51. There is a deductible of $2,700 that needs to be met before this plan will cover costs.

Below are highlights and key benefits of Medicare Supplement plans.

Best Plan G:

Mutual Of Omaha Medicare Supplement Plan G

If you need the most comprehensive coverage, Mutual of Omaha's Medicare Plan G will give you precisely what you are looking for. This plan takes care of nearly all your out-of-pocket expenses except for the Part B deductible.

When you choose Medicare Plan G, you can count on certain benefits, such as:

  • Coverage for Part B excess fees, the Medicare Part A deductible and all coinsurance costs associated with Part B.
  • No required referrals.
  • Access to any medical provider who accepts Original Medicare.

Monthly Plan Cost: $144

*Quotes for a 65 year old non smoking female, in zip code 07005

Best Plan N:

Mutual Of Omaha Medicare Supplement Plan N

If you're searching for a cost-effective Medigap plan, Mutual Of Omaha Medicare Plan N is a great option.

Not only does it feature lower premiums compared to Plans F and G but also has an abundance of additional advantages:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out of Pocket Expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Monthly Plan Cost: $98

*Quotes for a 65 year old non smoking female, in zip code 07005

Best High Deductible Plan G:

Mutual Of Omaha High-Deductible Plan G

  • New Jersey residents can benefit from the comprehensive offerings of Mutual of Omaha's High-Deductible Plan G with a much more budget friendly monthly premium. These benefits become available after you pay your annual out-of-pocket deductible amounting to $2,700.

Monthly Plan Cost: $51

*Quotes for a 65 year old non smoking female, in zip code 07005

Best Full Coverage

Mutual Of Omaha Medicare Supplement Plan F

  • If you want the most comprehensive protection, Mutual Of Omaha Medicare Plan F is your perfect choice. Not only does it cover Parts A and B deductibles but also all coinsurances - ensuring total peace of mind. To make use of the advantages this program offers, though, you must have enrolled for Original Medicare before January 1st 2020.

Monthly Plan Cost: $174

*Quotes for a 65 year old non smoking female, zip code 07005

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What's the Best Medicare Supplement Company in New Jersey?

Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in New Jersey.

While Mutual of Omaha Medigap plans tend to be more affordable in New Jersey, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.

For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in New Jersey, including sample premiums, ratings, and market share:


Market share: 2.96%

Plan G cost: $152

Plan N cost: $111

Financial strength: A

Mutual of Omaha

Market share: 7.80%

Plan G cost: $144

Plan N cost: $98

Financial strength: A+


Market share: 11.60%

Plan G cost: $151

Plan N cost: $126

Financial strength: A

United Healthcare

Market share: 47.66%

Plan G cost: $142

Plan N cost: $107

Financial strength: A

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in New Jersey?

The best price for Medicare Supplement Plan G in New Jersey is $144 per month with Mutual Of Omaha.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Plan K

Monthly Cost







Plan Popularity in New Jersey







Quotes are for sample purposes only. Prices are the average monthly rate in New Jersey for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When Can I Apply for a New Jersey Medicare Supplement Plan?

The best time to apply for a Medicare Supplement Plan in New Jersey is during the six-month Medigap Open Enrollment period, which starts the first month that you are 65 and have Part B coverage. It is essential to enroll during this time, since the period cannot be changed or repeated. See below for age-specific application information.

If you are 65 or older: After the date you enroll in Part B, you will have six months to enroll in Medigap with a guaranteed plan of your choice.

If you are turning 65 soon: Plan to enroll in Medigap when you turn 65, right after you enroll in Part B. Again, you will have six months after the date you turn 65 and enroll in Part B.

If you are under 65: You may not have eligibility. In certain states, Medigap policies have to be sold to those under 65, but they will generally cost you more.

You will receive guaranteed issue rights when enrolling during your Initial Enrollment Period, which means that you cannot be denied coverage or charged more by insurance companies. The Medicare insurance company cannot consider your current health or pre-existing conditions when determining your Medigap rates, and you are guaranteed enrollment in the plan of your choice during this enrollment period.

There are a few other instances where you may have guaranteed rights such as losing group coverage, moving out of a plan's service area, or your insurance provider going out of business. If you fall into one of these categories, you may be eligible for a Special Enrollment Period.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.


Mutual of Omaha is one of the best Medicare supplemental insurance companies in New Jersey. For over 100 years, Mutual of Omaha has offered award-winning products and services to help individuals and families find the right health coverage for their needs.

Medicare Supplement plans in New Jersey can typically range from $51 to $198 per month. However, the cost of a plan can vary greatly depending on factors such as your age, chosen plan, and the insurance company.

Medicare Supplement Plan G is one of the most popular Medicare Supplement plans due to its high level of coverage, covering almost all of the costs that Original Medicare does not cover. This includes things like copayments, coinsurance, and deductibles.

Medigap plans can be changed at any time. However, to avoid being subject to medical underwriting, it's recommended that you change your Medigap plans during your open enrollment period or when you qualify for guaranteed issue rights. Changing outside these periods may result in higher costs or even being refused coverage based on your health history.

Yes, suppose you apply for a Medicare Supplement Plan after your open enrollment period or don't meet the requirements for guaranteed issue rights. In that case, the insurance company may refuse to cover you or charge you more based on your health condition.

Matt Kiggins
Matt Kiggins
Senior Editor

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

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Matt Kiggins
Matt Kiggins
Senior Editor
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Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors, such as your health conditions, age, location, tobacco status, gender, and insurance provider.

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