Unveiling the Best Medicare Advantage Plans in NJ for 2022: A Comprehensive Guide+

In New Jersey, things have a reputation for being populous and diverse. This ethos extends to the selection of Medicare Advantage Plans available, making it a bit challenging to choose one that best addresses your needs. As we march into 2024, the complexity of healthcare choices remains a constant for the over 1.7 million Medicare beneficiaries in NJ and those new to Medicare. However, understanding the landscape of Medicare and Medicare Advantage plans in New Jersey is your first, crucial step towards ensuring your health needs are well taken care of without breaking the bank.

As a resident of West Orange, NJ, you may feel a bit overwhelmed with the vast array of choices in front of you – a staggering 96 Medicare Advantage plans, up from 92 in the previous year. While these numbers demonstrate that there are many options, it can also make zeroing in on the best plan quite daunting. Allow us at Sosa Insurance Group to help simplify this process for you.

As experts in the field with a deep understanding of the concerns and needs of people like you, we have put together a comprehensive guide aiming to unveil the best Medicare Advantage plans in NJ for 2024. But before we delve into the specifics, let’s provide a snapshot of the Medicare Advantage landscape in NJ for 2024:

  • Average monthly premium for a Medicare Advantage plan in NJ: $19.22
  • 4.5-star rated plans by CMS: Humana
  • 5-star rated plans by CMS: UnitedHealthcare
  • Providers offering Medicare Advantage plans in NJ: Amerigroup (Wellpoint in 2024), AmeriHealth, Braven Health, Clover Health, Jefferson Health Plans

In this article, beyond exploring these top-rated plans, we also guide you through the nuances of understanding Medicare Advantage plans, vital considerations while choosing a plan, and the promise of personalized support Sosa Insurance Group pledges in your Medicare journey.

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As you journey towards a well-informed decision, keep an eye on this space. We will quickly delve into the gritty details of these Medicare Advantage plans in subsequent sections, and we can guarantee that you will come away with a clearer understanding and a more confident approach to choosing the right plan for your healthcare needs. Stay tuned!

Understanding Medicare Advantage Plans

When it comes to securing your healthcare needs in your golden years, knowledge is power. In this section, we’ll unravel the mystery of Medicare Advantage plans. From what they are to how they work, and the benefits they offer, we’ll provide you with the information you need to make an informed decision about your healthcare coverage.

What is a Medicare Advantage Plan?

Medicare Advantage, also known as Part C, is an alternative to Original Medicare, combining Parts A and B coverage and often including prescription drug coverage (Part D). These plans are sold by private insurance companies approved by Medicare, providing an all-in-one bundle of health benefits. Besides covering hospital and medical services, many Medicare Advantage plans also offer extras such as dental, vision, hearing services, and wellness programs.

How Does a Medicare Advantage Plan Work?

Unlike Original Medicare, where the federal government pays for your healthcare directly, Medicare Advantage plans are run by private insurers contracted with Medicare. When you enroll in a Medicare Advantage plan, Medicare pays the insurance company a fixed amount each month for your care. In turn, the insurance company coordinates your healthcare and pays for the services you get. It’s important to note that you’re still in the Medicare program and you still have Medicare rights and protections. However, each plan can charge different out-of-pocket costs and have different rules for how you get services.

Typically, these plans offer a network of doctors and hospitals, and you may need to visit in-network providers to get care, or pay more for using out-of-network services. Some plans offer out-of-network coverage, but it’s usually at a higher cost.

The Benefits of Choosing a Medicare Advantage Plan

Medicare Advantage plans offer several benefits over Original Medicare. Firstly, they offer all the same coverage as Original Medicare, but often include additional benefits such as prescription drug coverage, dental and vision care, and wellness programs. Some plans even offer perks like gym memberships, transportation to medical appointments, or over-the-counter drug allowances.

Another significant benefit is the out-of-pocket maximum, which Original Medicare doesn’t offer. This feature caps your healthcare spending, protecting you from very high costs in case of a serious illness or condition.

Medicare Advantage plans also offer cost savings. Many have $0 monthly premiums, although you still have to pay your Part B premium. They can also be cheaper than buying Original Medicare with a Medicare Supplement plan, particularly if you don’t use a lot of healthcare services.

However, it’s crucial to remember that these plans have less flexibility since you’ll usually need to use the plan’s network of providers. So, it’s essential to weigh your options carefully and decide which plan best suits your needs and lifestyle.

Here at the Sosa Insurance Group, we’re committed to helping you navigate the complexities of Medicare so you can find the right plan for you. Stay tuned as we explore the changes coming to Medicare in 2024 in the next section!

Changes to Medicare in 2024

As you navigate the Medicare landscape, it’s important to be aware of the changes that are on the horizon. With 2024 just around the corner, let’s dive into some of the key changes that are set to take effect.

New Medicare Benefits & Changes Starting Jan 1, 2024

A number of new benefits and changes are slated to start on January 1, 2024. First and foremost, there’s good news for those who require prescription drugs, as Medicare will be implementing prescription drug savings. This is a significant development, as it aims to make essential medications more affordable for beneficiaries.

In addition to this, Medicare is also expanding its coverage for chronic pain management and treatment services. This is a crucial change for those dealing with long-term pain conditions. Furthermore, people suffering from lymphedema will be pleased to know that Medicare will be covering compression treatment items.

Mental health care will also see some enhancements with changes to outpatient services. This includes extended coverage for telehealth services, which have become increasingly important in the wake of the COVID-19 pandemic. And finally, changes are coming to the notification process for Medicare Advantage provider changes.

The Part B Premium for 2024

Moving on to costs, the standard monthly Part B premium is set to increase to $174.70 in 2024. That’s an increase of $9.80 from the 2023 premium of $164.90. This premium covers services like lab tests, surgeries, and doctor visits, as well as supplies like wheelchairs and walkers that are considered medically necessary.

Catastrophic Coverage for Medicare in 2024

Catastrophic coverage is an important safety net for beneficiaries who have high out-of-pocket drug costs. Starting January 1, 2024, once your out-of-pocket spending reaches $8,000, you’ll automatically get “catastrophic coverage”. This includes payments made by other people or entities on your behalf, such as Medicare’s Extra Help program.

The Medicare Part A Deductible for 2024

In 2024, the Medicare Part A deductible, which covers hospital stays, will be $1,632 per benefit period. This is an increase from the 2023 deductible. The Part B annual deductible will also increase to $240.

At the Sosa Insurance Group, we understand that navigating the complexities of Medicare can be overwhelming. That’s why we’re here to help you understand these changes and how they can impact your coverage. We aim to make your Medicare journey as seamless as possible, so you can focus on what matters most – your health.

Top Medicare Advantage Plans in NJ for 2024

After understanding the significant changes to Medicare in 2024, the next step is to dive into the specifics of the top-rated Medicare Advantage plans available in New Jersey. Detailed insights into these plans will empower you to make an informed decision. Let’s take a closer look at some of the top-rated Medicare Advantage plans in NJ for 2024.

AARP Medicare Advantage

The AARP Medicare Advantage plan is known for its comprehensive coverage and affordable premiums. It offers a variety of benefits such as routine dental, vision, and hearing services. Besides, it also provides an allowance of $30 to $75 every quarter for over-the-counter medications, making it a highly beneficial plan for seniors.

Aetna Medicare

Aetna Medicare is another renowned provider offering Medicare Advantage plans in New Jersey. Aetna is known for its wide range of plan options, allowing beneficiaries to choose a plan that best matches their healthcare needs and budget. Additionally, Aetna Medicare plans often include extras like fitness memberships and wellness programs.


With a 5-star rating from the Centers for Medicare & Medicaid Service (CMS), UnitedHealthcare stands out as one of the top providers of Medicare Advantage plans in New Jersey. UnitedHealthcare offers plans with low or even no monthly premiums, making them an affordable option for many beneficiaries. The company also boasts an extensive network of healthcare providers, ensuring that members have access to quality care.


Humana is another top-rated provider offering high-quality Medicare Advantage plans in NJ. With a 4.5-star rating from CMS, Humana’s plans often include benefits like prescription drug coverage, fitness programs, and preventative care services. Moreover, Humana offers a range of plan options, including HMO and PPO plans, providing flexibility for beneficiaries.

WellCare Health Plans

WellCare Health Plans offer a range of Medicare Advantage plans, each designed with the unique needs of seniors in mind. These plans often include additional benefits like dental, vision, and hearing coverage, as well as wellness programs and prescription drug coverage. WellCare’s commitment to providing comprehensive and affordable coverage makes it a top choice for many beneficiaries in New Jersey.

Choosing a Medicare Advantage plan can seem overwhelming, but at Sosa Insurance Group, we’re here to guide you through the process. We aim to help you understand each plan’s benefits, costs, and provider networks. This way, we can assist you in finding a plan that best suits your health needs and budget, ensuring you have the coverage you need in 2024 and beyond.

Factors to Consider When Choosing a Medicare Advantage Plan

Selecting the right Medicare Advantage Plan is not a decision to take lightly. It’s crucial to consider several factors before finalizing your choice to ensure it meets your unique health needs and financial circumstances. Let’s delve into these key considerations.

Cost of the Plan

Understanding the cost of your Medicare Advantage Plan is critical. Each plan comes with a premium, deductible, copay, and/or coinsurance. Do you comprehend these costs? More importantly, can you afford them? As with any insurance plan, the goal is to find a balance between what you can afford to pay out-of-pocket and the coverage you need.

Coverage of the Plan

What does the plan cover? This is a key question to ask. If you’re on medication, it’s important to understand how the plan covers your prescriptions. What tier are your prescription drugs on, and are there any coverage rules that apply to them? Beyond that, does the plan offer routine coverage for vision, dental, and hearing needs? These are all significant factors to consider when evaluating the coverage of a plan.

Provider Network

If you have preferred medical providers, it’s essential to ensure they participate in the plan’s network. Remember, using out-of-network providers can result in higher costs. Some Medicare Advantage plans strictly limit you to their network, except in emergencies, while others allow you to use non-network providers at a higher cost. It’s important to understand these network rules before choosing a plan.

Quality of Care

Last but not least, assess the quality of care you’ll receive under the plan. A Medicare Advantage Plan should not only be affordable and have a wide network of providers, but it should also give you access to quality health care. You can check the plan’s quality ratings on Medicare.gov. High-rated plans deliver a better overall experience, manage chronic conditions effectively, and have fewer problems with customer service.

How The Sosa Insurance Group Can Help

Choosing a Medicare Advantage Plan can be overwhelming, but you don’t have to navigate this process alone. At the Sosa Insurance Group, we’re committed to helping you understand the basics of Medicare and guide you in choosing the best option for your needs. We can assist you in comparing the costs, coverage, provider network, and quality of care of different Medicare Advantage plans. This way, you can make an informed decision that aligns with your health needs and financial circumstances.

Remember, Medicare is not one-size-fits-all. It’s about finding the plan that fits you best. So, let us be your partner in this journey. Together, we can ensure you have the coverage you need in 2024 and beyond.

How The Sosa Insurance Group Can Help

Navigating Medicare can feel like trying to solve a complex puzzle. There’s a multitude of plans to choose from, each with its own set of benefits, costs, and provider networks. It can be overwhelming, to say the least. But you don’t have to do it alone. We at the Sosa Insurance Group are here to help you make sense of it all.

Navigating Through Your Medicare Journey

You don’t have to embark on your Medicare journey alone. We are a team of dedicated professionals who have your best interests at heart. We are committed to helping you understand your options and make an informed decision. We will work with you every step of the way, from understanding the basics of Medicare to choosing the best plan for your needs.

Understanding the Basics of Medicare

We believe that knowledge is power. That’s why we provide comprehensive resources to help you understand the basics of Medicare. We cover everything from understanding Medicare benefit changes to explaining how Medicare Advantage plans work. We will guide you through the complexities of Medicare so you can make an informed choice.

Choosing the Best Option for Your Needs

At Sosa Insurance Group, we understand that everyone’s health needs and budgets are different. That’s why we compare different New Jersey Medicare Advantage plans to find the right one for you. We consider factors like plan costs, benefits, provider networks, and quality of care to help you choose the best plan for your needs.

Our goal is to ensure you have the most comprehensive coverage that fits within your budget. Whether you’re interested in AARP Medicare Advantage, Aetna Medicare, UnitedHealthcare, Humana or WellCare Health Plans, we’ll help you understand the strengths and weaknesses of each plan.

To get started, contact us today. You can reach us by phone at 800-552-1934 or by email at info@thesosainsurancegroup.com. You can also fill out our online rate form to connect with the best rates in your area. Let us help you make sense of your Medicare options. After all, your health deserves nothing less than the best.

Remember that with the Sosa Insurance Group, you’re not just a client. You’re part of our family. And we’re committed to helping our family navigate the complexities of Medicare. So, let’s navigate your Medicare journey together. Trust us, with the right guidance, it’s not as complex as it seems.

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As you’ve learned, Medicare Advantage plans in NJ for 2024 offer a broad spectrum of healthcare benefits that go beyond Original Medicare. From the convenience of having all your benefits under one plan to the extra perks like dental and vision coverage, these plans are designed with your health and well-being in mind.

Whether you’re considering AARP Medicare Advantage, Aetna Medicare, UnitedHealthcare, Humana, or WellCare Health Plans, remember to take into account factors such as the cost of the plan, coverage, provider network, and quality of care.

Navigating the Medicare landscape can be daunting, especially with the many changes and updates that occur each year. But with the right guidance and support, it’s not as complex as it seems.

That’s where we at the Sosa Insurance Group come in. Our dedication to helping you understand the basics of Medicare and choose the best option for your needs doesn’t end with this guide. Whether you’re new to Medicare or you’re considering changing your plan, we’re here to help you navigate the Medicare maze with ease.

Our commitment to you extends beyond providing information. We’re here to help you make the most of your healthcare coverage, ensuring you have the best possible plan for your unique needs and circumstances.

Remember, when it comes to your health, it’s crucial to make informed decisions. And with the right guidance, you can find the perfect Medicare Advantage plan for you in NJ for 2024.

In the end, it’s not just about finding a plan with the lowest cost. It’s about finding a plan that offers comprehensive coverage and aligns with your health needs. After all, your health is your wealth.

As you embark on this Medicare journey, remember that you’re not alone. We’re here, ready to guide you every step of the way. So, reach out to us at the Sosa Insurance Group today. Let’s discover the best Medicare Advantage plans NJ 2024 has to offer together.

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