Medicare Advantage Plans in New Jersey from Clover Health

Our New Jersey Medicare Advantage plans are flexible and affordable, and feature supplemental benefits like dental and vision.

Enter your zip code to see Clover Health plans available in New Jersey.


Clover Health Medicare in New Jersey

At Clover Health, our approach to Medicare is simple. Our Medicare Advantage plans can lower your out-of-pocket healthcare costs, stretch your retirement dollars, give you the freedom to choose the doctor you want, and even give you yearly allowances for dental care, eyewear, and over-the-counter items.

Covering in New Jersey

In New Jersey, Clover Health offers PPO Medicare Advantage plans in Atlantic, Bergen, Burlington, Camden, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Union counties.

In Atlantic, Bergen, Essex, Hudson, Passaic, Middlesex, and Union counties, Clover Health offers HMO Medicare Advantage plans.

Our Medicare Advantage plans vs. Original Medicare in New Jersey

Original Medicare helps to cover the big stuff in Part A, like hospitalization, and in Part B, like doctor appointments. However, it only covers 80% of your Part B expenses. You are responsible for the remaining 20%, which can add up.

Our New Jersey Medicare Advantage plans have many advantages over Original Medicare.

Unlike Original Medicare:

  • Our Medicare Advantage plans include prescription drug coverage.
  • Our plans usually have lower out-of-pocket expenses, which is great for managing your retirement budget.
  • Our plans have copays, so you know how much it will cost to see a doctor or be admitted to a hospital. Original Medicare has coinsurance, which means you pay a portion of the total cost.
  • Our New Jersey plans include allowances for dental care, eyewear, and over-the-counter items, which means you keep more in your pocket.
  • Our plans include SilverSneakers®, which includes a gym membership and on-demand video classes.

Peace of mind with a Clover Health Medicare Advantage plan

With a Clover Health Medicare Advantage plan, you can have peace of mind knowing…

  • You are still enrolled in Medicare.
  • Clover Health has a contract with the Center for Medicare & Medicaid Services (CMS).
  • Every Clover Health Medicare Advantage plan must include all Part A and Part B.
  • Every Clover Health plan is reviewed and approved by CMS each year.

Core Medicare benefits of our New Jersey Medicare plans

The Clover Health PPO Medicare Advantage plan with prescription drug coverage gives New Jersey residents some of the best benefits in the area, including a $0 monthly plan premium, a $0 copay for unlimited primary care visits, $20 copays for unlimited specialist visits, a $0 copay for many generic drugs, a $0 copay for diabetes monitoring supplies, and a $0 copay for preventive services.

When you’re a Clover Health member, your copays for urgent care, emergency care, inpatient hospital stays, outpatient surgery, ambulance services, and prescription costs are reasonable and affordable.

Clover Health PPO Medicare plans give you the freedom to choose your doctor

Clover Health puts members’ needs first. Our PPO networks are broad and open, enabling our members to see any doctor participating in Medicare who is willing to accept them.

If you’d like to see a list of providers in your area who are in the Clover Health network, please use Find a Provider.

Extra help paying for prescription drugs in New Jersey

We know that many people are having trouble paying for prescription drugs and that many qualify for Extra Help. Most people who qualify will pay no more than a $9.20 copay for their medications. In many cases, you’ll pay no copays and save hundreds of dollars a year.

We can help you see if you qualify, so give us a call.

Supplemental benefits and services in New Jersey

Another advantage to Clover Health Medicare Advantage plans in New Jersey is the supplemental benefits not offered with Original Medicare.

Dental, vision, and hearing

Clover Health plans cover important dental, vision, and hearing services to support your wellness. New Jersey Medicare plan members get routine dental exams, cleanings, and an annual x-ray. Most plans include comprehensive dental coverage with a $1,000 yearly allowance for dentures, crowns, fillings, and other dental services.

With Clover Health, you also get one routine vision exam per year, plus a $100 yearly allowance for routine contacts or glasses. One annual routine hearing exam is also included with a $0 copay in our New Jersey Medicare Advantage plan when you visit a TruHearing audiologist, along with hearing aids with affordable copays.

Over-the-counter items

Our New Jersey Medicare Advantage plans also include an allowance for frequently used over-the-counter products like aspirin, cold and flu medicines, digestive aids, and much more.

In New Jersey, our members receive a minimum of $75 every quarter, or $300 a year, to spend on these items, which helps keep more in your pocket.

Easy access to a doctor

In addition to visiting your doctor’s office, you can now see your doctor from the comfort of your home. Clover Health Medicare Advantage plans provide a telehealth solution to all doctors so they can offer video or phone appointments. If your personal doctor isn’t available, Clover Health can connect you with a doctor or nurse practitioner via video or phone.

Fitness memberships

Staying fit and active is much easier when you have the Clover Health Medicare Advantage plan, which includes a SilverSneakers® membership. Sign up for a Clover Health plan and you’ll have access to over 16,000 fitness centers nationwide as well as on-demand video fitness and nutrition classes through SilverSneakers®.

Convenient prescriptions

Unlike Original Medicare, we cover many prescription drugs and can save you money with a convenient 100-day supply delivered to you. With our New Jersey Medicare Advantage plans, Tier 1 prescriptions from a preferred pharmacy have a $0 copay. Preferred pharmacies include CVS as well as many Walmart and Costco pharmacies and other locations nationwide. Check this pharmacy locator for a preferred pharmacy near you. Copays and the percentage of medication costs covered vary by plan and Medicare phase of coverage, so check our formulary to see if your medications are covered.

Why Clover Health Medicare Advantage for New Jersey?

Most residents of New Jersey are looking to lower their out-of-pocket healthcare costs, stretch their retirement dollars, have the freedom to choose the doctor they want, and even have yearly allowances for dental care, eyewear, and over-the-counter items. A Clover Health Medicare Advantage plan can help you get all that and more.

Contact us at 1-800-836-6890 (TTY 711) 8 am to 8 pm local time, 7 days a week,* to speak to a licensed sales agent and learn why we’ve been one of the fastest growing Medicare Advantage plans in the country since 2013. Already a member? Call us at 1-888-778-1478 (TTY 711).