New Jersey Medicare Supplement Insurance Information
Many seniors and younger will need supplemental health insurance to pay
for expenses not covered by Medicare. It should be noted that neither
Medicare nor a New Jersey Medicare supplement insurance policy will
cover most long term care insurance expenses. There are many types of
health insurance coverages that you can purchase to supplement your
Medicare coverage. Supplemental insurance will pay for some or all of
your health care costs that are not covered by Medicare.
These types of health insurance coverages include:
Employee or Retiree Coverage
(from your employer or union)

Medigap Insurance
(from a private company or group).
People often refer to all of these types of health insurance
coverages as "supplemental insurance." However,
"Medicare Supplement" or "Medigap" insurance is a
specific type of insurance that is subject to federal and
state laws.
Medigap (Medicare Supplement Insurance)

Medicare supplemental insurance policies that are sold
by private insurance companies to Medicare
beneficiaries to fill the "gaps" in Original Medicare Plan
coverage. There are ten standardized policies, Plan A
through Plan J. Your state decides which of the 10
policies can be sold in your state. Medigap policies only
work with the Original Medicare Plan.
Medicare SELECT

A type of Medigap policy that must meet all of the
requirements that apply to a standard Medigap policy.
You may be required to use doctors and hospitals
within its network in order to be eligible for full benefits.
Managed Care Plans

A Managed Care plan involves a group of doctors,
hospitals, and other health care providers who have
agreed to provide care to Medicare beneficiaries in
exchange for a fixed amount of money from Medicare
every month. New Jersey Managed Care plans
include Health Maintenance Organizations (HMOs),
HMOs with a Point of Service (POS) option, Provider
Sponsored Organizations (PSOs), Preferred Provider
Organizations (PPOs), and Cost Plans.
Click on the link below to fill out a quote request form for a New Jersey
Medicare supplement insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or speak with
our Medicare Supplemental Insurance Agent Specialist to discuss the
features.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
Ask us about the new
Medicare Prescription
Drug Coverage.
Enrollment began on
November 15, 2005!
Answer a few questions and
we will provide you with a
quote by email or phone.
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Jersey Personal, Employee
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We are your local northern New Jersey insurance agency, offering affordable Medicare
supplement insurance policy premiums to residents in the following cities and
counties: Succasunna, Boonton, Boonton Township, Brookside, Budd Lake, Butler,
Cedar Knolls, Chatham, Chester, Convent Station, Denville, Dover, Dover Annex, East
Hanover, Fayson Lakes, Flanders, Florham Park, Gillette, Green Village, Greystone
Park, Hibernia, High Crest, Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake Hopatcong,
Lake Intervale, Landing, Ledgewood, Lincoln Park, Lindy Lake, Long Valley, Lower
Montville, Lyonsville, Madison, Mendham, Meriden, Millington, Mine Hill, Montville,
Montville Township, Morris Plains, Morristown, Mount Arlington, Mount Freedom, Mount
Olive, Mount Tabor, Mountain Lakes, Netcong, New Vernon, Parsippany, Pequannock,
Pequannock Township, Picatinny Arsenal, Pine Brook, Pinebrook, Pompton Junction,
Pompton Plains, Powerville, Ralston, Randolph, Riverdale, Rockaway, Rockaway
Valley, Schooleys Mountain, Stirling, Tabor, Taylortown, Towaco, Troy Hills, Wharton,
Whippany, Stanhope, Hopatcong, Espanong, Hurdtown, Cranberry Lake, Andover,
Greendell, Woodport, Springdale, Oak Ridge, Milton, Sparta, Lake Lenape, Newton,
Ogdensburg, Saxton Falls, Johnsonburg, Allamuchy, Vienna, Hackettstown,
Beattystown, Marksboro, Hope, Townsbury, Washington, Newark, Elizabeth, Rahway,
Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South
Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North
Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville,
Piscataway, Edison, New Brunswick, Highland Park, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia,
Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus,
Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook,
Garfield, Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford,
Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great
Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange, Glen
Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East Orange,
East Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne,
Morris County, Sussex County, Somerset County, Pasaic County, Bergen County,
Hunterdon County, Union County, and Warren County, NJ. We also offer Medicare
supplement insurance services throughout the state of New Jersey, including the
greater New York City area.
Your Life Solutions