New Jersey · 2026 plan year

Medicare Advantage PPO plans in New Jersey

There are 48 Medicare Advantage PPO plans in New Jersey from 11 carriers, averaging 4.02 out of 5 stars across the 44 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

48
PPO plans
11
Carriers
21
Counties covered
4.0
Avg stars (44 of 48 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

New Jersey has 2 five-star Medicare Advantage PPO plans.

Of the 48 PPO plans here, 2 carry CMS's top overall rating of 5 stars and 31 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.

New Jersey PPO plans rank 11th of 51 on star rating.

Across the 44 rated plans here the average overall rating is 4.02 stars, 11th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in New Jersey

Showing 5 of 48. See all New JerseyMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
Aetna MedicareCVS Health Corporation114.5
Braven HealthHorizon Mutual Holdings, Inc104.0
Clover HealthClover Health Holdings, Inc.74.5
HumanaHumana Inc.63.7
UnitedHealthcareUnitedHealth Group, Inc.43.5
AmeriHealthIndependence Health Group, Inc.32.5
Jefferson Health PlansThomas Jefferson University2
Longevity Health PlanLongevity Health Founders, LLC25.02
Cigna HealthCareHealth Care Service Corporation13.0
Geisinger GoldRisant Health, Inc.1
WellcareCentene Corporation1
Other plan types in New Jersey

How PPO compares

All New JerseyMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Common questions

New Jersey Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in New Jersey?
Of the New Jersey PPO plans with a published premium, 87% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for New Jersey PPO plans?
The 44 rated PPO plans in New Jersey average 4.02 out of 5 stars, with 31 rating 4 or better and 2 rating a full 5. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in New Jersey?
There are 48 PPO plans from 11 carriers, sold across 21 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 2 of them are Special Needs Plans with extra eligibility rules (see below).
Do New Jersey PPO plans include prescription drug coverage?
48 of the 48 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in New Jersey?
2 of the 48 PPO plans in New Jersey are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across New Jersey Medicare Advantage plans.

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