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NJ Middlesex County 2027 年 Medicare Advantage 计划

2027 年，来自 9 家公司的 42 个 Medicare Advantage 计划在 Middlesex County 可用。每月保费为 $0 的计划（不含特殊需求计划）：18。网络内最低自付上限：$4,500。

2027 年的开放注册期为 2026 10月15日至12月7日；保障于 2027 1月1日生效。

含药品保障的计划 (25)

计划	类型	每月保费	药品免赔额	自付上限（网络内）	去年的星级评分
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) UnitedHealthcare	HMO-POS	$0	$685	$7,150	3.5
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) UnitedHealthcare	HMO-POS	$0	$685	$7,150	3.5
HumanaChoice Giveback H5216-319 (PPO) Humana	PPO	$0	$700	$8,000	3.5
HumanaChoice Giveback H7617-045 (PPO) Humana	PPO	$0	$700	$8,000	4.5
HumanaChoice Giveback H7617-127 (PPO) Humana	PPO	$0	$700	$8,250	4.5
Humana Gold Plus H6622-100 (HMO) Humana	HMO	$0	$325	$9,000	3.5
Wellcare Assist (HMO-POS) Wellcare	HMO-POS	$0	$700	$9,250	3.5
Aetna Medicare Signature Extra (HMO) Aetna Medicare	HMO	$0	$700	$9,850	4
AmeriHealth Medicare Classic Rx (HMO) AmeriHealth	HMO	$0	$700	$9,850	—
Clover Health Choice (PPO) Clover Health	PPO	$0	$350	$9,850	4.5
Clover Health Choice Giveback (PPO) Clover Health	PPO	$0	$440	$9,850	4.5
Wellpoint Extra Help (HMO) Wellpoint	HMO	$0	$0	$9,850	3
Aetna Medicare Elite (HMO) Aetna Medicare	HMO	$25	$700	$9,850	4
AARP Medicare Advantage from UHC NJ-6 (PPO) UnitedHealthcare	PPO	$29	$685	$9,400	3.5
Wellcare Low Premium (HMO-POS) Wellcare	HMO-POS	$35	$700	$9,250	3.5
Clover Health Value (HMO) Clover Health	HMO	$36.3	$200	$4,500	4.5
HumanaChoice H5216-461 (PPO) Humana	PPO	$36.3	$700	$9,250	3.5
Clover Health Choice Value (PPO) Clover Health	PPO	$36.3	$440	$9,850	4.5
AARP Medicare Advantage from UHC NJ-0004 (PPO) UnitedHealthcare	PPO	$69	$685	$8,900	3.5
AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) UnitedHealthcare	HMO-POS	$79	$595	$7,150	3.5
AARP Medicare Advantage from UHC NJ-0005 (PPO) UnitedHealthcare	PPO	$79	$685	$8,400	3.5
Aetna Medicare Enhanced Extra (PPO) Aetna Medicare	PPO	$99	$700	$9,850	4.5
Aetna Medicare Signature (HMO) Aetna Medicare	HMO	$109	$700	$9,850	4
AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) UnitedHealthcare	HMO-POS	$115	$595	$6,900	3.5
Aetna Medicare Enhanced (Regional PPO) Aetna Medicare	Regional PPO	$149	$700	$9,850	4

不含药品保障的计划 (6)

计划	类型	每月保费	自付上限（网络内）	去年的星级评分
Humana USAA Honor Giveback (PPO) Humana	PPO	$0	$6,750	3.5
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) UnitedHealthcare	HMO-POS	$0	$7,150	3.5
AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) UnitedHealthcare	PPO	$0	$7,150	3.5
Aetna Medicare Eagle Giveback (HMO) Aetna Medicare	HMO	$0	$9,850	4
Aetna Medicare Eagle Giveback (PPO) Aetna Medicare	PPO	$0	$9,850	4.5
Clover Health Valor (PPO) Clover Health	PPO	$0	$9,850	4.5

特殊需求计划 (11)

特殊需求计划仅适用于同时拥有 Medicaid (D-SNP)、患有特定慢性病 (C-SNP) 或居住在疗养院等机构 (I-SNP) 的人群。

计划	类型	每月保费	药品免赔额	自付上限（网络内）	去年的星级评分
UHC Complete Care NJ-8 (HMO-POS C-SNP) UnitedHealthcare	HMO-POS C-SNP	$0	$685	$7,150	3.5
Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana	HMO C-SNP	$0	$550	$9,350	3.5
Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare	HMO D-SNP	$0	$700	$9,850	3
Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint	HMO-POS C-SNP	$0	$105	$9,850	3
UHC Dual Complete NJ-Y001 (HMO D-SNP) UnitedHealthcare	HMO D-SNP	$4.1	$700	$9,850	3.5
UHC Nursing Home Plan EX-F003 (PPO I-SNP) UnitedHealthcare	PPO I-SNP	$18.1	$700	$9,850	4.5
Longevity Health Plan (PPO I-SNP) Longevity Health Plan	PPO I-SNP	$18.8	$700	$9,850	5
Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare	HMO D-SNP	$28.4	$700	$9,850	3.5
Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint	HMO D-SNP	$30.7	$700	$9,850	3
Horizon NJ TotalCare (HMO D-SNP) Horizon Blue Cross Blue Shield of New Jersey	HMO D-SNP	$36.3	$700	$9,850	4
Longevity Health Plan (PPO I-SNP) Longevity Health Plan	PPO I-SNP	$172	$700	$4,500	5

New Jersey 独立 Part D 药品计划 →

CMS 于十月发布 2027 年的星级评分；显示的星级为该计划的 2026 综合评级。我们与美国政府或联邦医疗保险计划无关联，也未获其认可，且不销售保险计划。我们不会完整列出计划福利；请在注册前向计划提供方、Medicare.gov 或拨打 1-800-MEDICARE（TTY 1-877-486-2048）确认费用和覆盖范围。来源：CMS Medicare Advantage 和 Part D 概况，2027（2026-10 版本）。