New Jersey › Mercer County
Medicare plans in Mercer County, New Jersey
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Mercer County for 2027, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (30 plans)
- Part D drug plans (11 plans)
- Special needs plans (13 plans)
- Medicare Advantage without drug coverage (7 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Mercer County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Mercer County
At a glance
- 37 Medicare Advantage plans are open to anyone with Medicare here; 23 charge no monthly premium.
- 13 give back part of your Part B premium, up to $150 a month.
- The lowest yearly limit on what you pay for in-network care is $4,150.
- 11 Part D drug plans, from $5.30 to $217.90 a month.
Medicare Advantage plans with drug coverage 30
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Clover Health Choice Giveback (PPO) Clover Health · H5141-054-000 | PPO | $0/moGives back $140/mo of your Part B premium | $9,850 | 5.0★ |
| DEVOTED CHOICE GIVEBACK 002 NJ (PPO) Devoted Health · H1390-002-000 | PPO | $0/moGives back $118/mo of your Part B premium | $9,850 | Not yet rated |
| HumanaChoice Giveback H7617-045 (PPO) Humana · H7617-045-000 | PPO | $0/moGives back $108/mo of your Part B premium | $8,000 | 4.5★ |
| HumanaChoice Giveback H5216-319 (PPO) Humana · H5216-319-000 | PPO | $0/moGives back $106/mo of your Part B premium | $8,000 | 4.0★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ (PPO) Devoted Health · H1390-006-000 | PPO | $0/moGives back $70/mo of your Part B premium | $9,650 | Not yet rated |
| Aetna Medicare Prime Giveback (PPO) Aetna Medicare · H5521-277-000 | PPO | $0/moGives back $15/mo of your Part B premium | $9,850 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) UnitedHealthcare · H0755-038-000 | HMO-POS | $0/mo | $7,150 | 3.5★ |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) UnitedHealthcare · H0755-046-000 | HMO-POS | $0/mo | $7,150 | 3.5★ |
| Wellcare Assist (HMO-POS) Wellcare · H0913-015-000 | HMO-POS | $0/mo | $9,250 | 3.0★ |
| DEVOTED CHOICE 001 NJ (PPO) Devoted Health · H1390-001-000 | PPO | $0/mo | $9,350 | Not yet rated |
| Aetna Medicare Prime (HMO-POS) Aetna Medicare · H3152-080-000 | HMO-POS | $0/mo | $9,850 | 4.0★ |
| Clover Health Choice (PPO) Clover Health · H5141-004-000 | PPO | $0/mo | $9,850 | 5.0★ |
| Aetna Medicare Prime (PPO) Aetna Medicare · H5521-392-000 | PPO | $0/mo | $9,850 | 4.0★ |
| AmeriHealth Medicare Classic Rx (HMO) AmeriHealth · H6407-002-000 | HMO | $0/mo | $9,850 | Not yet rated |
| Humana Gold Plus H6622-099 (HMO) Humana · H6622-099-001 | HMO | $0/mo | $9,050 | 4.0★ |
| Jefferson Health Plans Elite (HMO) Jefferson Health Plans · H9207-018-000 | HMO | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Elite (HMO) Aetna Medicare · H3152-098-000 | HMO | $25/mo | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-6 (PPO) UnitedHealthcare · H8768-058-000 | PPO | $29/mo | $9,400 | 4.0★ |
| Wellcare Low Premium (HMO-POS) Wellcare · H0913-002-000 | HMO-POS | $35/mo | $9,250 | 3.0★ |
| Clover Health Choice Value (PPO) Clover Health · H5141-007-000 | PPO | $36.30/mo | $9,850 | 5.0★ |
| HumanaChoice H5216-461 (PPO) Humana · H5216-461-000 | PPO | $36.30/mo | $9,250 | 4.0★ |
| Jefferson Health Plans Premier (PPO) Jefferson Health Plans · H3124-003-000 | PPO | $55/mo | $7,000 | 2.5★ |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) UnitedHealthcare · H8768-022-000 | PPO | $69/mo | $8,900 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) UnitedHealthcare · H0755-044-000 | HMO-POS | $79/mo | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) UnitedHealthcare · H8768-035-000 | PPO | $79/mo | $8,400 | 4.0★ |
| Aetna Medicare Prime Extra (PPO) Aetna Medicare · H5521-275-000 | PPO | $84/mo | $9,850 | 4.0★ |
| Aetna Medicare Enhanced Extra (PPO) Aetna Medicare · H5521-037-000 | PPO | $99/mo | $9,850 | 4.0★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H3152-048-000 | HMO | $109/mo | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) UnitedHealthcare · H0755-045-000 | HMO-POS | $115/mo | $6,900 | 3.5★ |
| Aetna Medicare Enhanced (Regional PPO) Aetna Medicare · R6694-006-000 | Regional PPO | $149/mo | $9,850 | 4.0★ |
Part D drug plans 11
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout New Jersey.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-139-000 | $5.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-078-000 | $24.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-131-000 | $28.30/mo | $700 | 4.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-183-000 | $65.30/mo | $687 | 4.5★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-025-000 | $105.80/mo | $700 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-008-000 | $120.50/mo | $700 | 2.5★ |
| Horizon Medicare Blue Rx Standard (PDP) Horizon Blue Cross Blue Shield of New Jersey · S5993-001-000 | $130.30/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-150-000 | $131.20/mo | $350 | 4.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-349-000 | $138.50/mo | $700 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-386-000 | $210.70/mo | $300 | 3★ |
| Horizon Medicare Blue Rx Enhanced (PDP) Horizon Blue Cross Blue Shield of New Jersey · S5993-003-000 | $217.90/mo | $300 | 2.5★ |
Special needs plans 13
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 005 NJ (PPO C-SNP) Devoted Health · H1390-005-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $83.50/mo of your Part B premium | $9,650 | Not yet rated |
| UHC Complete Care NJ-8 (HMO-POS C-SNP) UnitedHealthcare · H0755-047-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $7,150 | 3.5★ |
| DEVOTED C-SNP CHOICE PLUS 003 NJ (PPO C-SNP) Devoted Health · H1390-003-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | Not yet rated |
| DEVOTED C-SNP CHOICE ENHANCED 004 NJ (PPO C-SNP) Devoted Health · H1390-004-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | Not yet rated |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint · H3240-017-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare · H6399-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) UnitedHealthcare · H3113-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $4.10/mo | $9,850 | 3.0★ |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) UnitedHealthcare · H0710-026-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $18.10/mo | $9,850 | 5.0★ |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan · H9942-001-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $18.80/mo | $9,850 | 5.0★ |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare · H0913-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $28.40/mo | $9,850 | 3.0★ |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint · H3240-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $30.70/mo | $9,850 | 3.0★ |
| Horizon NJ TotalCare (HMO D-SNP) Horizon Blue Cross Blue Shield of New Jersey · H8298-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $36.30/mo | $9,850 | 4.0★ |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan · H9942-002-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $172/mo | $4,500 | 5.0★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: Capital Health LIFE (PACE), Capital Health LIFE -Medicare only (PACE).
Medicare Advantage plans without drug coverage 7
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) UnitedHealthcare · H0755-037-000 | HMO-POS | $0/moGives back $150/mo of your Part B premium | $7,150 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-221-000 | PPO | $0/moGives back $145/mo of your Part B premium | $6,700 | 4.0★ |
| Clover Health Valor (PPO) Clover Health · H5141-061-000 | PPO | $0/moGives back $125/mo of your Part B premium | $9,850 | 5.0★ |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) UnitedHealthcare · H8768-059-000 | PPO | $0/moGives back $120/mo of your Part B premium | $7,150 | 4.0★ |
| Aetna Medicare Eagle Giveback (HMO) Aetna Medicare · H3152-045-000 | HMO | $0/moGives back $100/mo of your Part B premium | $9,850 | 4.0★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-504-000 | PPO | $0/moGives back $90/mo of your Part B premium | $9,850 | 4.0★ |
| HumanaChoice Giveback H5216-116 (PPO) Humana · H5216-116-000 | PPO | $0/moGives back $69/mo of your Part B premium | $4,150 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $148–$763/mo from 30 companies, at age 65.
- Plan N: $108–$675/mo from 31 companies, at age 65.
Discussion
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