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.
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 (NJ 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. The state of New Jersey decides which
of the 10 policies can be sold in the state. Medigap
policies only work with the Original Medicare Plan.
Medicare SELECT - New Jersey

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 - New Jersey

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.
We are a New Jersey insurance services agency offering affordable Medicare supplemental
insurance premiums to individuals in the following New Jersey cities and counties:
Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede, Woodbury Heights,
Pennsauken, Palmyra, Cinnaminson, Delran, Riverside, Edgewater Park, Burlington,
Riverton, Delanco, Beverly, Bridgeboro, Woodlynne, Oaklyn, Gloucester City, Brooklawn,
Mt. Ephraim, Westville Grove, Colonial Manor, Red Bank, National Park, Thorofare,
Gibbstown, Bridgeport, Penns Grove, Almonesson, Fairview, Grenloch, Hurffville,
Turnersville, Erial, Pine Hill, West Berlin, Clementon, Barrington, Kirkwood, Maple Shade,
Mt. Laurel, Pitman, Sewell, Mantua, Centre City, Magnolia, Somerdale, Berlin, Richwood,
Mt. Royal, Glassboro, Ewan, Wenonah, Audubon, Haddonville, Merchentville, Willingboro,
Woodbury, Clarksboro, Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell,
Auburn, Yorktown, Pedricktown, Pennsville, Vineland, Millville, Gloucester County,
Burlington County, Salem County, and Camden County, NJ.
Employee Benefits
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Medicare Supplemental Insurance Coverage Information
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Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
These types of health insurance coverages include:
Click on the link below to fill out a secure quote request form for a New
Jersey Medicare supplement insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with our New Jersey Medicare Supplemental Insurance specialist toll free at
1-800-501-6199 to discuss the features.
Medicare Advantage Plans - New Jersey

Medicare Advantage Plans are health plan options that are part of the
Medicare program. If you choose to join a Medicare Advantage Plan, you
typically get all your Medicare-covered health care through that plan. This
coverage can also include prescription drug coverage.
Medicare Advantage Plans include:
Medicare Health Maintenance Organization (HMO)
Preferred Provider Organizations (PPO)
Private Fee-for-Service Plans
Medicare Special Needs Plans
Medicare Advantage Plan members are issued a health insurance card for
your health care. In most of these plans you will receive extra benefits and
lower copayments than in the Original Medicare Plan. However, you may be
required to see doctors that belong to the plan or go to certain hospitals to
get services.
You must have Medicare Part A and Part B to join a Medicare Advantage
Plan. You will have to pay your monthly Medicare Part B premium to
Medicare. In addition, you might have to pay a monthly premium to your
Medicare Advantage Plan for the extra benefits that they offer. If you have a
Medigap policy, you may want to discontinue it if you join a Medicare
Advantage Plan. It is not required that you do so, but your Medigap policy
will not pay any deductibles, co-payments, or other cost-sharing under your
Medicare health plan if you are enrolled in a Medicare Advantage Plan.
***Note Disclaimer: Sunrise Retirement Solutions and Insurance Planning Services
and insurancephiladelphia.com offers a service and free information intended to make
access to Medicare and related information easier. It is not associated with, nor
endorsed or authorized by the Social Security Administration, the Health Care
Financing Administration, the Department of Health and Human Services, or the
Center for Medicare and Medicaid Services, nor do we claim to be. This site contains
basic information about Medicare, services related to Medicare and services for
people with Medicare. If you would like to visit the Official US Government Site for
People with Medicare, go to www.medicare.gov
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