State Health Insurance Assistance Program (SHIP)
The State Health Insurance Assistance Program (SHIP) provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance. SHIP is a statewide program sponsored by the New Jersey Department of Human Services with major funding from the Centers for Medicare & Medicaid Services, the federal Medicare agency.
Medicare beneficiaries frequently have questions about benefits and claims, supplement policies, and long-term care insurance. Volunteer counselors, trained in areas of health insurance coverage and benefits that affect Medicare beneficiaries, provide information and assistance for dealing with claims and in evaluating health insurance needs.
Volunteer counselors do not provide legal advice, sell, recommend, endorse any specific insurance product, agent, insurance company, Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) or Private Fee-for-Service (PFFS) plan. They provide information and assistance so that you can make your own decisions. Counseling is free of charge.
Click here to find a counseling site in your area, or call your County Office on Aging
Volunteers NeededIf you would like to become a SHIP volunteer and help people in your community better understand their Medicare-related insurance options, please call 609-588-2337. Watch this video for more information.
SHIP Information Center 1-800-792-8820SHIP produces and regularly updates charts detailing the various Medigap and Medicare HMO and PPO plans offered in New Jersey. These charts have been posted here to help you compare plans and make an informed decision about which plan best fits your needs and budget. Please note, however, that since plan options and pricing can change at anytime during the year, it is recommended you call the company you are interested in to confirm the information/premiums provided on these charts prior to enrolling or making a coverage change.
If you are receiving your Medicare coverage through the original Medicare program, here are the Medigap policies currently available in New Jersey.
Please note: the following documents are stored in Adobe Acrobat PDF format.
PDF formatted documents look just like the original printed documents. To view them you must have a PDF viewer which is available free from Adobe. Click here to learn more about Adobe Acrobat or to download the latest version of the Adobe Acrobat viewer from the Adobe Web site.
Supplemental (Medigap) PlansMedigap Information for Beneficiaries of All Ages:
Plans for Medicare Beneficiaries age 65 and Older:
Plans for Medicare Beneficiaries age 50 to 64:
Plans for Medicare Beneficiaries Under age 50:
Stand-Alone Prescription Drug Plans for 2014For people in Original Medicare, you may wish to join a Medicare Prescription Drug Program. Use the link below to view stand-alone plans currently available in New Jersey.
Medicare Advantage PlansIf you are interested in receiving your Medicare coverage through a Medicare Advantage Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO) or a Private Fee-for-Service (PFFS) plan, use the link below to view plans currently available in New Jersey*. Please note that many Medicare Advantage plans include prescription drug coverage. Ask the company you are interested in selecting how this benefit works.
*Please note that Medicare beneficiaries who have been diagnosed with end-stage renal disease cannot enroll in a Medicare HMO, PPO or PFFS plan.
Remember: SHIP provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance. Counseling sites have been established in all 21 counties to serve you. You can also contact a SHIP counselor through your County Office on Aging.
Report Medicare & Medicaid Waste, Fraud & Abuse 1-732-777-1940, ext. 1117 Click here for the SMP of New Jersey if you know or suspect someone is committing Medicare or Medicaid waste, fraud or abuse.