County guide · Hunterdon County, NJ · 2027 plan year

Original Medicare vs Medicare Advantage in Hunterdon County, NJ

This guide lists 28 Medicare Advantage plans for 2027 in Hunterdon 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
28
$0 premium
17 plans
Lowest in-network limit
$6,750
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.gov

Yearly 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.

PlanMonthly premiumsYearly limit on medical costsStarsPrior authorizationLight yearRegular yearHeavy year
Original Medicare with Medigap Plan Gand the lowest-cost drug planPart B $209.50 + Plan G from $148 + a drug plan from $5.30$292 Part B deductible, then Plan G paysNot ratedShort 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 network5 of 519 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 network5 of 519 services$2,574$4,708$10,995
Aetna Medicare Prime (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3152-080 · Medicare.govIts page is set for Bergen County, NJ$0 plan + Part B $209.50$9,850 in network4 of 519 services$2,554$5,512$11,089
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 network4.5 of 524 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 network4 of 524 services$1,662$5,648$11,642
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 network3.5 of 524 services$2,514$5,882$12,064
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 network5 of 519 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 network3.5 of 524 services$2,514$6,167$12,064
Humana Gold Plus H6622-100 (HMO)HMO from Humana · Plan ID H6622-100 · Medicare.govIts page is set for Middlesex County, NJ$0 plan + Part B $209.50$9,000 in network4 of 524 services$2,599$6,436$13,914
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 network4.5 of 524 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 network3.5 of 524 services$3,462$6,563$11,982
Aetna Medicare Prime Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-277 · Medicare.govIts page is set for Bergen County, NJ$0 plan + Part B $209.50 (the plan pays back $15 of Part B)$9,850 in network; $14,800 in and out of network4 of 519 services$3,049$6,613$11,754
Aetna Medicare Signature (HMO)HMO from Aetna Medicare · Plan ID H3152-048 · Medicare.govIts page is set for Bergen County, NJ$109 plan + Part B $209.50$9,850 in network4 of 519 services$3,862$6,755$12,397
Aetna Medicare Elite (HMO)HMO from Aetna Medicare · Plan ID H3152-098 · Medicare.govIts page is set for Bergen County, NJ$25 plan + Part B $209.50$9,850 in network4 of 519 services$3,529$6,760$12,004
Aetna Medicare Prime (PPO)PPO from Aetna Medicare · Plan ID H5521-392 · Medicare.govIts page is set for Bergen County, NJ$0 plan + Part B $209.50$9,850 in network; $14,800 in and out of network4 of 519 services$3,229$6,793$12,171
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 network4 of 524 services$3,025$6,845$13,225
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 network3.5 of 524 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 network4 of 524 services$3,577$7,010$12,882
Aetna Medicare Prime Extra (PPO)PPO from Aetna Medicare · Plan ID H5521-275 · Medicare.govIts page is set for Bergen County, NJ$84 plan + Part B $209.50$9,850 in network; $14,800 in and out of network4 of 519 services$4,237$7,260$12,377
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 network4 of 524 services$4,057$7,503$13,584
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 network4 of 524 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 network4 of 519 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 network3.5 of 524 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 network4 of 519 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 network5 of 519 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 network4 of 519 services$1,762$9,726$29,330
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 network4 of 524 services$2,077$10,433$29,800
Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-174 · No drug coverage · Medicare.govIts page is set for Bergen County, NJ$0 plan + Part B $209.50 (the plan pays back $105 of Part B)$6,750 in network; $10,100 in and out of network4 of 524 services$1,627$10,531$29,580

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.

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.

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