SHIP counseling appointments are now being held virtually, over the phone or with the assistance of other technology or in person. To set up your appointment, contact the lead counseling agency in your area, or call your County Office on Aging. 

NJ Save is an online application to help low-income seniors and individuals with disabilities save money on Medicare premiums, prescriptions costs, and other living expenses.  Click on the NJ Save image below to access the application.

Apply Online for NJSave

If you would like to become a SHIP volunteer and help people in your community better understand their Medicare-related insurance options, please call 1-800-792-8820, contact the lead counseling agency in your area or text SHIP@NJDOAS. Watch this video or review the SHIP Volunteer Orientation Booklet for more information.

SHIP produces and regularly updates charts detailing the various Medigap, Medicare Advantage and Part D drug 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 Medigap 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.

SHIP Information Center: 1-800-792-8820

Medigap Information for Beneficiaries of All Ages:

• Contact Information for Companies Selling Medigap Plans in NJ
• Medigap Benefits Common for All Plans
• Important Notes for the Charts Posted Below

Plans for Medicare Beneficiaries age 65 and Older:

• For Females
• For Males

Plans for Medicare Beneficiaries age 50 to 64:

• Medigaps age 50 to 64

Plans for Medicare Beneficiaries Under age 50:

• Only Horizon offers a plan for individuals under age 50

For 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.

• Stand-Alone Prescription Drug Plans for 2025[pdf]

If you are interested in receiving your Medicare coverage through a Medicare Advantage Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO), 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.

• NJ Medicare Advantage Plans for 2025 [pdf]  

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.

• NJ SHIP Brochure
• NCOA's My Medicare Matters
• Video: How to Create a MyMedicare.gov Account
• Video: Understanding Your Medicare Choices
• Medicare Plan Finder
• Get Help Paying Your Medicare Costs
• Information on the Medicare Prescription Drug (Part D) Program

This project was supported, in part by grant #90SAPG0098-01-02, from the U.S. Administration for Community Living, Department of Health and Human Services, Washington, D.C. 20201.  Grantees undertaking projects with government sponsorship are encouraged to express feely their findings and conclusions.  Points of view or opinions do not, therefore, necessarily represent official ACL policy.