County guide · Camden County, NJ · 2027 plan year
Original Medicare vs Medicare Advantage in Camden County, NJ
This guide lists 41 Medicare Advantage plans for 2027 in Camden County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 41
- $0 premium
- 24 plans
- Lowest in-network limit
- $4,150
- Highest in-network limit
- $9,850
In most states, including New Jersey, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in New Jersey can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $148 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,644 | $6,819 | $7,044 |
| Clover Health Choice Giveback (PPO)PPO from Clover Health · Plan ID H5141-054 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $140 of Part B) | $9,850 in network; $14,800 in and out of network | 5 of 5 | 19 services | $924 | $3,723 | $10,899 |
| Clover Health Choice (PPO)PPO from Clover Health · Plan ID H5141-032 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 5 of 5 | 19 services | $2,574 | $4,708 | $10,995 |
| DEVOTED CHOICE GIVEBACK 002 NJ (PPO)PPO from Devoted Health · Plan ID H1390-002 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 (the plan pays back $118 of Part B) | $9,850 in network; $14,800 in and out of network | Plan too new to be measured | 24 services | $1,199 | $4,787 | $10,462 |
| Jefferson Health Plans Elite (HMO)HMO from Jefferson Health Plans · Plan ID H9207-018 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 17 services | $2,544 | $5,064 | $9,674 |
| Aetna Medicare Signature Extra (HMO)HMO from Aetna Medicare · Plan ID H3152-082 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 19 services | $2,554 | $5,542 | $11,324 |
| HumanaChoice Giveback H7617-045 (PPO)PPO from Humana · Plan ID H7617-045 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $108 of Part B) | $8,000 in network; $9,000 in and out of network | 4.5 of 5 | 24 services | $1,638 | $5,553 | $11,618 |
| HumanaChoice Giveback H5216-319 (PPO)PPO from Humana · Plan ID H5216-319 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $106 of Part B) | $8,000 in network; $9,000 in and out of network | 4 of 5 | 24 services | $1,662 | $5,648 | $11,642 |
| Wellcare Assist (HMO-POS)HMO-POS from Wellcare · Plan ID H0913-015 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 | $9,250 in network | 3 of 5 | 20 services | $2,569 | $5,667 | $10,729 |
| Wellpoint Extra Help (HMO)HMO from Wellpoint · Plan ID H3240-026 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 23 services | $2,594 | $5,763 | $11,869 |
| Jefferson Health Plans Premier (PPO)PPO from Jefferson Health Plans · Plan ID H3124-003 · Medicare.gov | $55 plan + Part B $209.50 | $7,000 in network; $10,000 in and out of network | 2.5 of 5 | 18 services | $3,204 | $5,764 | $10,299 |
| DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ (PPO)PPO from Devoted Health · Plan ID H1390-006 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $9,650 in network; $14,450 in and out of network | Plan too new to be measured | 24 services | $2,034 | $5,882 | $12,006 |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0755-038 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,514 | $5,882 | $12,064 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H3949-054 · Medicare.gov | $0 plan + Part B $209.50 | $8,900 in network | 3 of 5 | 24 services | $2,727 | $5,887 | $11,312 |
| Clover Health Choice Value (PPO)PPO from Clover Health · Plan ID H5141-042 · Medicare.govIts page is set for Ocean County, NJ | $36.30 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 5 of 5 | 19 services | $2,990 | $5,927 | $10,530 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0755-046 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,514 | $6,167 | $12,064 |
| Aetna Medicare Enhanced (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3152-022 · Medicare.govIts page is set for Ocean County, NJ | $79 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 19 services | $3,502 | $6,250 | $11,122 |
| AmeriHealth Medicare Classic Rx (HMO)HMO from AmeriHealth · Plan ID H6407-002 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 | $9,850 in network | Plan too new to be measured | 15 services | $2,554 | $6,295 | $12,029 |
| DEVOTED CHOICE 001 NJ (PPO)PPO from Devoted Health · Plan ID H1390-001 · Medicare.govIts page is set for Ocean County, NJ | $0 plan + Part B $209.50 | $9,350 in network; $13,950 in and out of network | Plan too new to be measured | 24 services | $2,564 | $6,359 | $11,869 |
| HumanaChoice Giveback H7617-127 (PPO)PPO from Humana · Plan ID H7617-127 · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $26 of Part B) | $8,250 in network; $9,000 in and out of network | 4.5 of 5 | 24 services | $2,622 | $6,543 | $12,852 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0755-044 · Medicare.govIts page is set for Bergen County, NJ | $79 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $3,462 | $6,563 | $11,982 |
| Humana Gold Plus H6622-099 (HMO)HMO from Humana · Plan ID H6622-099 · Medicare.gov | $0 plan + Part B $209.50 | $9,050 in network | 4 of 5 | 24 services | $2,609 | $6,647 | $13,789 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-149 · Medicare.gov | $15 plan + Part B $209.50 | $9,850 in network; $14,000 in and out of network | 3 of 5 | 24 services | $3,264 | $6,729 | $12,456 |
| Aetna Medicare Enhanced Advantage (PPO)PPO from Aetna Medicare · Plan ID H5521-510 · Medicare.govIts page is set for Ocean County, NJ | $109 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,862 | $6,770 | $12,732 |
| Wellcare Low Premium (HMO-POS)HMO-POS from Wellcare · Plan ID H0913-002 · Medicare.govIts page is set for Bergen County, NJ | $35 plan + Part B $209.50 | $9,250 in network | 3 of 5 | 20 services | $3,207 | $6,779 | $12,065 |
| HumanaChoice H5216-461 (PPO)PPO from Humana · Plan ID H5216-461 · Medicare.govIts page is set for Bergen County, NJ | $36.30 plan + Part B $209.50 | $9,250 in network; $14,800 in and out of network | 4 of 5 | 24 services | $3,025 | $6,845 | $13,225 |
| AmeriHealth Medicare Core (PPO)PPO from AmeriHealth · Plan ID H5361-001 · Medicare.gov | $18 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3 of 5 | 15 services | $2,795 | $6,866 | $12,940 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0755-045 · Medicare.govIts page is set for Bergen County, NJ | $115 plan + Part B $209.50 | $6,900 in network | 3.5 of 5 | 24 services | $3,894 | $6,955 | $12,334 |
| AARP Medicare Advantage from UHC NJ-6 (PPO)PPO from UnitedHealthcare · Plan ID H8768-058 · Medicare.govIts page is set for Bergen County, NJ | $29 plan + Part B $209.50 | $9,400 in network; $14,800 in and out of network | 4 of 5 | 24 services | $3,577 | $7,010 | $12,882 |
| Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H5521-512 · Medicare.govIts page is set for Ocean County, NJ | $80 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $4,189 | $7,289 | $12,670 |
| Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5521-123 · Medicare.govIts page is set for Ocean County, NJ | $65 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $4,009 | $7,431 | $12,221 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO)PPO from UnitedHealthcare · Plan ID H8768-022 · Medicare.govIts page is set for Bergen County, NJ | $69 plan + Part B $209.50 | $8,900 in network; $14,800 in and out of network | 4 of 5 | 24 services | $4,057 | $7,503 | $13,584 |
| Aetna Medicare Enhanced Extra (PPO)PPO from Aetna Medicare · Plan ID H5521-124 · Medicare.gov | $104 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $4,477 | $7,513 | $12,587 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO)PPO from UnitedHealthcare · Plan ID H8768-035 · Medicare.govIts page is set for Bergen County, NJ | $79 plan + Part B $209.50 | $8,400 in network; $14,800 in and out of network | 4 of 5 | 24 services | $4,177 | $7,541 | $13,419 |
| Aetna Medicare Enhanced (Regional PPO)Regional PPO from Aetna Medicare · Plan ID R6694-006 · Medicare.govIts page is set for Bergen County, NJ | $149 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $5,017 | $8,096 | $13,591 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0755-037 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $1,002 | $9,321 | $29,440 |
| Aetna Medicare Eagle Giveback (HMO)HMO from Aetna Medicare · Plan ID H3152-045 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $9,850 in network | 4 of 5 | 19 services | $1,642 | $9,466 | $28,510 |
| Clover Health Valor (PPO)PPO from Clover Health · Plan ID H5141-061 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $125 of Part B) | $9,850 in network; $14,800 in and out of network | 5 of 5 | 19 services | $1,357 | $9,646 | $29,190 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-504 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $90 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $1,762 | $9,726 | $29,330 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-221 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $145 of Part B) | $6,700 in network; $6,700 in and out of network | 4 of 5 | 24 services | $1,152 | $10,096 | $29,050 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)PPO from UnitedHealthcare · Plan ID H8768-059 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,077 | $10,433 | $29,800 |
| HumanaChoice Giveback H5216-116 (PPO)PPO from Humana · Plan ID H5216-116 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $69 of Part B) | $4,150 in network; $6,200 in and out of network | 4 of 5 | 24 services | $2,064 | $11,168 | $27,412 |
Original Medicare totals use the lowest Plan G price that New Jersey State Health Insurance Assistance Program, Medigap premium charts at age 65 (September 2026) lists for a 65-year-old woman who does not use tobacco, $148 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from New Jersey State Health Insurance Assistance Program, Medigap premium charts at age 65 (September 2026), pulled 2026-10-13. They are statewide prices for New Jersey. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: New Jersey State Health Insurance Assistance Program, Medigap premium charts at age 65 (September 2026)
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.