Medicare Supplement Plan N Rates in New Jersey
Plan N offers excellent coverage at a lower premium than Plan G. You pay small copays ($20 at doctor visits, $50 at ER visits that don't result in inpatient admission) in exchange for a lower monthly premium. In New Jersey, Plan N rates average around $152/month for age 65 — but prices vary significantly by carrier.
Compare New Jersey Plan N Rates →✅ What Plan N Covers
- ✓ Part A hospital coinsurance and costs up to an additional 365 days after Medicare benefits are exhausted
- ✓ Part A hospice care coinsurance or copayment
- ✓ Part A deductible ($1,632 in 2024)
- ✓ Part B coinsurance or copayment (subject to copays)
- ✓ Skilled nursing facility care coinsurance
- ✓ First three pints of blood
- ✓ 80% of foreign travel emergency care (up to plan limits)
❌ What Plan N Does NOT Cover
- ✗ Medicare Part B deductible ($240 in 2024)
- ✗ Part B excess charges (doctors who don't accept Medicare assignment)
- ✗ Copay at doctor visits (up to $20)
- ✗ Copay at ER visits not resulting in admission (up to $50)
- ✗ Prescription drugs (requires separate Part D plan)
New Jersey Plan N Rates by Carrier
New Jersey Plan N — age 65, female non-smoker estimates
Carrier | Monthly Rate | Rating |
|---|---|---|
| Best ValueAetna | — | A |
| Humana | — | A- |
| Mutual of Omaha | — | A+ |
| UnitedHealthcare (AARP) | — | A+ |
New Jersey Plan N Rate Ranges by Age
| Age | Monthly Range | Annual Range |
|---|---|---|
| Age 65 | $134–$179/mo | $1,608–$2,148/yr |
| Age 68 | $150–$201/mo | $1,800–$2,412/yr |
| Age 70 | $161–$215/mo | $1,932–$2,580/yr |
| Age 72 | $174–$233/mo | $2,088–$2,796/yr |
| Age 75 | $198–$265/mo | $2,376–$3,180/yr |
| Age 78 | $227–$305/mo | $2,724–$3,660/yr |
| Age 80 | $250–$335/mo | $3,000–$4,020/yr |
How Plan N Compares
Plan N vs Plan G: Plan N saves $30-50/month in premiums. You pay up to $20/visit at doctors and $50 for ER visits. If you have 1-2 doctor visits/month, Plan N often wins mathematically. If you have excess charges risk, Plan G is safer.
Quick Savings Estimator
Enter your current monthly premium to see your potential savings.
Find the Best Plan N Rate in New Jersey
Our licensed New Jersey agents compare all carriers offering Plan N — free, in minutes.
- Same exact coverage, lower price
- Takes less than 5 minutes
- No obligation, no spam
Free service · Licensed agents · No obligation