Unveiling the Top 7 Medicare Advantage Plans in NJ 2022: Make the Most of Your Healthcare

Navigating the world of healthcare can often feel like an overwhelming labyrinth of options, especially when it comes to Medicare. As an individual eligible for Medicare in West Orange, NJ, your healthcare needs are unique, and understanding the multiple facets of Medicare is vital to make the most out of your health coverage. This article, ‘Unveiling the Top 7 Medicare Advantage Plans in NJ 2022: Make the Most of Your Healthcare’, is designed to help you dissect the complexities of Medicare Advantage plans, and empower you to choose the best plan tailored to your needs.

In this comprehensive guide, we will delve into the details of what Medicare Advantage Plans are, the benefits they offer, and the factors you should consider when choosing a plan. We will also provide a list of the top 7 Medicare Advantage plans in NJ for 2022, and explain how the Sosa Insurance Group can assist you in this important decision-making process.

So, whether you’re new to Medicare, looking to switch plans, or simply seeking to understand your options better, this guide is your stepping stone to making informed healthcare decisions in 2022. Let’s dive in.

Understanding Medicare Advantage Plans

Navigating the world of healthcare can sometimes feel like being lost in a labyrinth. But fear not! Understanding Medicare Advantage Plans is your first step to finding your way. Let’s break it down.

What is a Medicare Advantage Plan?

Medicare Advantage, also known as Part C, is a type of Medicare health insurance provided by private insurance companies approved by Medicare. Unlike Original Medicare, which is provided directly by the federal government, Medicare Advantage Plans bundle together Parts A, B, and often D into one comprehensive plan.

Essentially, every Medicare Advantage plan must include the benefits provided by Original Medicare Part A and Part B. Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. On the other hand, Part B covers 80% of doctor’s visits, preventative care, mental health services, physical therapy, occupational therapy, lab services, and other outpatient services.

Types of Medicare Advantage Plans

Medicare Advantage plans come in different types, each with its unique set of rules and benefits. The most common types of Medicare Advantage plans are Health Maintenance Organization (HMO) Plans, Preferred Provider Organization (PPO) Plans, Private Fee-for-Service (PFFS) Plans, and Special Needs Plans (SNPs). Some Medicare Advantage plans may also include additional benefits such as dental, vision, hearing, prescription, and over-the-counter medications, transportation, and fitness memberships.

Benefits of Medicare Advantage Plans

So, why should you consider a Medicare Advantage plan? Beyond bundling together all your Medicare benefits into one plan, Medicare Advantage often offers additional coverage that Original Medicare does not, which can include services like routine vision and dental care or prescription drug coverage.

Furthermore, while Original Medicare doesn’t have a maximum limit on out-of-pocket costs, Medicare Advantage plans do. This means once you reach a certain limit in one year, you’ll pay nothing for covered services for the rest of the year, providing a safety net for those unexpected healthcare costs.

In essence, Medicare Advantage Plans can offer more comprehensive coverage, potentially saving you money in the long run. However, it’s essential to compare plans and consider your health needs and budget before making a decision.

Factors to Consider When Choosing a Medicare Advantage Plan

After understanding what Medicare Advantage Plans are and how they could potentially benefit you, it’s time to delve deeper into the factors you need to consider when choosing your plan. Here, we’ll explore the cost of Medicare Advantage Plans in NJ, the implications of network restrictions, and how to compare plans based on your individual medical needs and financial circumstances.

Cost of Medicare Advantage Plans in NJ

The cost of Medicare Advantage Plans can vary depending on the coverage and benefits included in the plan. The average monthly premium for a Medicare Advantage plan in New Jersey is around $14.98 for 2023, down from $17.25 in 2022. However, some plans may offer a $0 premium, but these may come with higher out-of-pocket costs for services. It’s crucial to consider not just the premium but also the out-of-pocket maximums, deductibles, copays, and coinsurance rates.

Network Restrictions and Why People Leave Medicare Advantage Plans

One factor that might make some people leave Medicare Advantage plans is the network restrictions. Unlike Original Medicare, where you can see any doctor or provider that accepts Medicare, Medicare Advantage plans typically have a network of providers. If you see a provider out of this network, your services might not be covered, or you might have to pay more. This restriction can be a significant factor if you have preferred providers or if you need care while traveling out of the plan’s service area.

Comparing Plans Based on Individual Medical Needs and Financial Limitations

When comparing Medicare Advantage Plans, it’s important to consider your individual medical needs and financial limitations. Start by assessing your healthcare needs. Do you need prescription drugs, or do you expect to need them in the future? Do you have any chronic conditions that require regular care? Are you comfortable with the network of providers in the plan?

Next, review your financial situation. What can you comfortably afford to pay in premiums each month? How would a high deductible or out-of-pocket maximum impact your finances?

By taking these factors into account, you can make a more informed decision about which Medicare Advantage Plan will be the best fit for you in New Jersey. Remember, the cheapest plan isn’t always the best value if it doesn’t meet your healthcare needs or leaves you with high out-of-pocket costs.

In the next section, we will delve into the top 7 Medicare Advantage Plans in NJ for 2022 and how they might cater to your specific needs.

Top 7 Medicare Advantage Plans in NJ 2022

Navigating through the sea of Medicare plans can be overwhelming, but fear not! We’ve done the hard work for you. Here, we unveil the top seven Medicare Advantage Plans that have been highly rated and appreciated by NJ residents in 2022.

Aetna Medicare Explorer Premier Plus Plan

First on our list is the Aetna Medicare Explorer Premier Plus Plan. This plan stands out for its comprehensive coverage and flexibility. It offers all six core benefits including vision, hearing, dental, worldwide emergency, fitness, and telehealth. Coupled with an affordable monthly premium of $37 and a yearly drug deductible of $300, this plan provides a strong safety net for its policyholders.

Humana Gold Plus H6622-063 Plan

Next up is the Humana Gold Plus H6622-063 Plan by Humana. This plan is an HMO, meaning it offers a more restricted network but at a lower cost compared to a PPO plan. However, it doesn’t skimp on benefits, providing robust coverage, including drug coverage and all six core benefits.

Erickson Advantage Signature with Drugs

The Erickson Advantage Signature with Drugs plan is another top-rated option. This HMO-POS plan offers comprehensive coverage, including prescription drug coverage. It’s designed to provide a seamless healthcare experience, making it easier for members to manage their health and wellness.

Cigna Preferred Medicare

The Cigna Preferred Medicare plan is a popular choice among NJ residents for its broad coverage and network of providers. This plan also offers a range of wellness programs and preventive care services, helping members maintain their health and prevent serious illnesses.

Erickson Advantage Liberty with Drugs

The Erickson Advantage Liberty with Drugs plan strikes a balance between cost and coverage. It’s an HMO-POS plan that includes prescription drug coverage and offers a wide array of health benefits. This plan is designed to help members manage their health care costs while still receiving the care they need.

Erickson Advantage Freedom

The Erickson Advantage Freedom plan is an HMO-POS that offers comprehensive coverage without drug coverage. This plan is suitable for those who have separate prescription drug coverage or those who don’t need it. It provides access to a wide network of healthcare providers and a range of essential health benefits.

HumanaChoice H5216-186

Last but not least, the HumanaChoice H5216-186 plan is another top-rated Medicare Advantage Plan in NJ. This PPO plan offers flexibility in choosing healthcare providers and has comprehensive coverage that includes all six core benefits. This plan is an excellent choice for those who value flexibility and broad coverage.

In summary, each of these top 7 Medicare Advantage Plans offers a unique blend of cost, coverage, and flexibility. Your personal healthcare needs and budget should guide your choice. Remember, the team at Sosa Insurance Group is here to help you navigate through these options and find the plan that best suits your needs.

How to Enroll in Both Medicare Advantage and Medicaid

The search for a comprehensive healthcare plan can be convoluted and confusing. But, for eligible individuals, the option to enroll in both Medicare Advantage and Medicaid can provide a safety net of coverage that meets a broad range of healthcare needs. Let’s dive into who qualifies and how to enroll.

Eligibility for Both Medicare Advantage and Medicaid

The first question you might be asking is, “Can I be eligible for both Medicare Advantage and Medicaid?” The answer is a resounding yes. If you qualify for both Medicare and Medicaid, you are considered “dual eligible.” This means you can retain your Medicaid benefits and may receive additional benefits from Medicare, creating a comprehensive healthcare safety net.

To be eligible for Medicare, you must be either 65 years old or older, or under 65 with certain disabilities. On the other hand, Medicaid eligibility is income-based, and the income requirements vary by state. So, if you meet both criteria, you can certainly benefit from both programs.

Process of Enrolling in Both Medicare Advantage and Medicaid

If you are dual eligible, the enrollment process requires a few steps. Firstly, you need to be enrolled in Original Medicare to obtain your Medicare number. This can be done during your Initial Enrollment Period, which starts three months before your 65th birth month and ends three months after.

Once you are enrolled in Original Medicare, you can choose a Medicare Advantage plan during the same Initial Enrollment Period. Alternatively, you can switch to a Medicare Advantage plan during the Annual Open Enrollment Period, which lasts from October 15 to December 7 each year.

To enroll in Medicaid, you need to apply through your state’s Medicaid office, as each state has its own Medicaid program with different rules and eligibility criteria.

Combining Medicare Advantage and Medicaid will allow you to maximize your health coverage and minimize out-of-pocket expenses. However, the enrollment process can be complex and may require some research. If you need assistance, the team at Sosa Insurance Group is always ready to provide guidance and help you make the most of your healthcare coverage.

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The Role of Sosa Insurance Group in Choosing the Best Medicare Advantage Plan

In the complex world of Medicare, having a knowledgeable guide like the Sosa Insurance Group can make all the difference. This insurance brokerage agency is dedicated to helping individuals navigate their healthcare options, ensuring they select the plan that best fits their needs and financial situation.

Introduction to Sosa Insurance Group

The Sosa Insurance Group is a leading insurance brokerage agency in New Jersey, aiming to simplify the process of finding the right health coverage for individuals and families. With several years of experience under its belt, the Sosa Insurance Group has established a reputation for delivering personalized, comprehensive consultation services for Medicare Advantage plans.

How Sosa Insurance Group Helps Medicare Eligible Consumers

Choosing the right Medicare Advantage plan can be a daunting task, given the vast range of plans available. That’s where the Sosa Insurance Group steps in. The agency provides potential enrollees access to trained and experienced specialists who go through various Medicare Advantage plan options, helping individuals find a plan that is not only affordable but also provides them with the coverage they need.

The Sosa Insurance Group takes into account all the important factors such as the cost of the plans, the benefits they provide, and the specific needs of the enrollee. It is their goal to help individuals tailor their Medicare Advantage plans to meet their needs. Some people may find a plan that provides coverage for over-the-counter drugs, transportation to medical visits, and other services that can make it easier for them to take care of their health and wellness.

With consultations for Medicare Advantage plans available from The Sosa Insurance Group, the journey to finding the perfect plan for your requirements is significantly eased. This is why many Medicare-eligible individuals in West Orange, NJ, and beyond trust the Sosa Insurance Group when it comes to making the most of their healthcare coverage.


Choosing the best Medicare Advantage Plan in NJ for 2022 requires a well-informed decision, taking into account numerous factors including cost, network restrictions, and individual medical needs. The variety of plans available might seem overwhelming at first, but with the right advice and guidance, you can navigate through the complexity of Medicare with ease, ensuring you make the most of your healthcare.

The Sosa Insurance Group plays a pivotal role in this process, providing Medicare eligible consumers with a wealth of knowledge and experience to guide them through their Medicare journey. Our goal is to help you better understand the basics of Medicare and to assist you in selecting the option that best fits your needs.

Furthermore, Sosa Insurance Group expands your options by offering a variety of plans such as Advantage, Medicaid and Medicare, Stand-Alone Part D Prescription, Dental, Final Expense, Individual and Long-Term Care plans. Our team is committed to aiding you in understanding your coverage choices, eligibility, and enrollment process.

In the end, the quest for the best Medicare Advantage Plan in NJ for 2022 is a personal journey that should be tailored to your specific needs and financial circumstances. It’s about finding a plan that provides you with peace of mind, knowing that your healthcare needs are well taken care of.

Remember, when it comes to healthcare, you deserve the best. So, whether you’re considering the Aetna Medicare Explorer Premier Plus Plan, the Humana Gold Plus H6622-063 Plan, or any other top-rated plan, the Sosa Insurance Group is here to ensure that your journey towards optimal healthcare is smooth and rewarding.

Feel free to explore our blog for more insights or contact us for personalized guidance. Your health is your wealth, and at Sosa Insurance Group, we are dedicated to helping you protect it.

Frequently Asked Questions

Navigating the world of Medicare Advantage plans can be complex, but we’re here to make it simpler for you. Here are answers to some of the most frequently asked questions we encounter.

Which is the Best Medicare Advantage Plan in NJ?

When it comes to the best Medicare Advantage plan in New Jersey, Humana stands tall. Known for their high-quality care, strong customer service, and low average costs, Humana’s HMO plans have no monthly premium. Additionally, its PPO plans average just $8 a month, which is significantly below the state average.

Why are People Leaving Medicare Advantage Plans?

One common reason people leave their Medicare Advantage plan is due to network restrictions. Going out of the network for care could lead to substantial fees. Even if you have a Preferred Provider Organization (PPO) plan, you’ll still pay more to visit doctors that aren’t in the network. Therefore, it’s crucial to understand the network limitations of a plan before signing up.

How Much Does Medicare Advantage Cost in NJ?

The cost of Medicare Advantage plans can vary widely, but on average, a New Jersey Medicare Advantage Plan will cost $14.98 per month in 2023. The Medicare Part A hospital deductible is $1,600 for each benefit period, while for Part B, most people pay the standard premium of $164.90 per month. The deductible for Part B is $233.

What is the Best Medicare Plan that Covers Everything?

AARP/UnitedHealthcare is widely recognized as the best overall company for Medicare Supplement plans due to its low rates and valuable extras. This includes Part D prescription coverage, making it an all-encompassing solution for many Medicare beneficiaries. However, the best plan for you will depend on your individual healthcare needs and financial circumstances.

Remember, while these answers provide a general overview, choosing a Medicare Advantage plan is a personal decision that should consider your specific medical needs and financial situation. At Sosa Insurance Group, our experts are ready to guide you through this process, ensuring you make the most of your healthcare coverage.