New to Medicare in New Jersey? Medicare Advantage PPO Plans Could Be the Best Fit
If you're considering a Medicare Advantage HMO Plan in New Jersey, you might want to think about choosing a PPO this year.
Over the past six years, more and more people in New Jersey have been choosing PPO plans over HMO plans because they could offer some better benefits for you while providing more provider access*. Here's a look at what's been happening and why you might want to consider a PPO plan for 2026.
PPO Plans Are Getting More Popular
In New Jersey, more than a third of people with Medicare are enrolled in a Medicare Advantage plan. These plans give you the same health benefits as Medicare, and they often include things like drug coverage and extra benefits for things like dental and vision care and over-the-counter allowances.
There are different Medicare Advantage options to pick from. One important choice is deciding between an HMO and a PPO plan. Some years ago, HMOs were much more popular in the state, but now, PPO plans are becoming more popular. Some years ago, for the individual Medicare Advantage market, HMOs were much more popular in the state, but now, PPO plans are becoming more popular.
In New Jersey, the number of individuals on these PPO plans has more than doubled while the enrollment in these HMO plans has gone down. If you want to learn about the differences between PPO and HMO plans, you can check that out here.
Clover Health New Jersey 2026 Medicare PPO Plans Include:
- No referral needed to see a specialist
- $0 copay for in- network PCP visits
- As low as a $2 in-network specialist copay
- As high as a $180 quarterly OTC allowance that you can spend on everyday health items like bandages, pain relievers and vitamins.
- As high as a $2,500 dental allowance
- Up to $400 a year in reward dollars to spend on groceries and more†
- Fitness benefit with a premium network
If you want to learn more about the Clover PPO plans in New Jersey, you can find more information here.
Clover Health is a Preferred Provider Organization (PPO) and a Health Maintenance Organization (HMO) with a Medicare contract. Enrollment in Clover Health depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a
special [election/enrollment] period or you are in your Medicare Initial Election Period.
*Out-of-network/non-contracted providers are under no obligation to treat Clover members, except in emergency situations.
†LiveHealthy Rewards money may not be used to purchase alcohol, tobacco products, or firearms.
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