Medicare plans by county · CY2026
45 Medicare Plans in Cape May, New Jersey
Contract year 2026 · CMS Medicare Landscape Files
45 Medicare plans are available in Cape May for 2026
Base monthly premiums range from $0.00 to $172.00. 23 plans have a $0.00 base premium.
Average CMS star rating: 3.7 stars (43 of 45 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
MA-PD (29 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Braven Medicare Choice (PPO) H0885_006 | PPO | Braven Health Horizon Mutual Holdings, Inc | $0.00 | 4 ★ |
| Braven Medicare Freedom (PPO) H0885_009 | PPO | Braven Health Horizon Mutual Holdings, Inc | $40.00 | 4 ★ |
| Wellcare Low Premium (HMO-POS) H0913_002 | HMO-POS | Wellcare Centene Corporation | $34.00 | 3.5 ★ |
| Wellcare Assist (HMO-POS) H0913_015 | HMO-POS | Wellcare Centene Corporation | $45.20 | 3.5 ★ |
| Wellcare Giveback (HMO-POS) H0913_021 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3.5 ★ |
| Wellcare Simple (HMO-POS) H0913_022 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3.5 ★ |
| Jefferson Health Plans Choice Plus (PPO) H3124_001 | PPO | Jefferson Health Plans Thomas Jefferson University | $29.00 | — |
| Jefferson Health Plans Choice (PPO) H3124_002 | PPO | Jefferson Health Plans Thomas Jefferson University | $0.00 | — |
| Aetna Medicare Enhanced (HMO-POS) H3152_022 | HMO-POS | Aetna Medicare CVS Health Corporation | $83.00 | 4 ★ |
| Aetna Medicare Signature Extra (HMO) H3152_082 | HMO | Aetna Medicare CVS Health Corporation | $0.00 | 4 ★ |
| HealthSpring Preferred (HMO) H3949_054 | HMO | HealthSpring Health Care Service Corporation | $0.00 | 3 ★ |
| Clover Health Choice (PPO) H5141_032 | PPO | Clover Health Clover Health Holdings, Inc. | $0.00 | 3.5 ★ |
| Clover Health Choice Value (PPO) H5141_042 | PPO | Clover Health Clover Health Holdings, Inc. | $54.00 | 3.5 ★ |
| Clover Health Choice Giveback (PPO) H5141_054 | PPO | Clover Health Clover Health Holdings, Inc. | $0.00 | 3.5 ★ |
| HumanaChoice Giveback H5216-319 (PPO) H5216_319 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| HumanaChoice H5216-461 (PPO) H5216_461 | PPO | Humana Humana Inc. | $31.10 | 3.5 ★ |
| Aetna Medicare Elite (PPO) H5521_123 | PPO | Aetna Medicare CVS Health Corporation | $54.00 | 4.5 ★ |
| Aetna Medicare Enhanced Extra (PPO) H5521_124 | PPO | Aetna Medicare CVS Health Corporation | $94.00 | 4.5 ★ |
| Aetna Medicare Enhanced Advantage (PPO) H5521_510 | PPO | Aetna Medicare CVS Health Corporation | $91.00 | 4.5 ★ |
| Aetna Medicare Enhanced (PPO) H5521_512 | PPO | Aetna Medicare CVS Health Corporation | $60.00 | 4.5 ★ |
| Humana Gold Plus H6622-099 (HMO) H6622_099 | HMO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| HumanaChoice Giveback H7617-045 (PPO) H7617_045 | PPO | Humana Humana Inc. | $0.00 | 4.5 ★ |
| HealthSpring True Choice (PPO) H7849_149 | PPO | HealthSpring Health Care Service Corporation | $0.00 | 3 ★ |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) H8768_022 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $45.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) H8768_035 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $72.00 | 3.5 ★ |
| AARP Medicare Advantage from UHC NJ-6 (PPO) H8768_058 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Jefferson Health Plans Silver (HMO) H9207_013 | HMO | Jefferson Health Plans Thomas Jefferson University | $0.00 | 3.5 ★ |
| Jefferson Health Plans Elite (HMO) H9207_018 | HMO | Jefferson Health Plans Thomas Jefferson University | $0.00 | 3.5 ★ |
| Aetna Medicare Signature (Regional PPO) R6694_006 | Regional PPO | Aetna Medicare CVS Health Corporation | $139.00 | 4 ★ |
SNP (8 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) H0710_026 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $42.40 | 4.5 ★ |
| Wellcare Fidelis Dual Align (HMO D-SNP) H0913_013 | HMO D-SNP | Wellcare Centene Corporation | $54.20 | 3.5 ★ |
| Wellpoint Full Dual Advantage (HMO D-SNP) H3240_013 | HMO D-SNP | Wellpoint Elevance Health, Inc. | $32.10 | 3 ★ |
| Wellpoint Full Dual Advantage Secure (HMO-POS D-SNP) H3240_024 | HMO-POS D-SNP | Wellpoint Elevance Health, Inc. | $32.10 | 3 ★ |
| Aetna Medicare FIDE (HMO D-SNP) H6399_001 | HMO D-SNP | Aetna Better Health of New Jersey CVS Health Corporation | $54.20 | 3 ★ |
| Horizon NJ TotalCare (HMO D-SNP) H8298_001 | HMO D-SNP | Horizon Blue Cross Blue Shield of New Jersey Horizon Mutual Holdings, Inc | $42.70 | 4 ★ |
| Longevity Health Plan (PPO I-SNP) H9942_001 | PPO I-SNP | Longevity Health Plan Longevity Health Founders, LLC | $40.00 | 4 ★ |
| Longevity Health Plan (PPO I-SNP) H9942_002 | PPO I-SNP | Longevity Health Plan Longevity Health Founders, LLC | $172.00 | 4 ★ |
MA (8 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Braven Medicare Salute - No Rx (PPO) H0885_011 | PPO | Braven Health Horizon Mutual Holdings, Inc | $0.00 | 4 ★ |
| Wellcare Patriot Simple (HMO-POS) H0913_020 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3.5 ★ |
| Aetna Medicare Eagle Giveback (HMO) H3152_045 | HMO | Aetna Medicare CVS Health Corporation | $0.00 | 4 ★ |
| Clover Health Valor (PPO) H5141_061 | PPO | Clover Health Clover Health Holdings, Inc. | $0.00 | 3.5 ★ |
| HumanaChoice Giveback H5216-116 (PPO) H5216_116 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (PPO) H5216_221 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Aetna Medicare Eagle Giveback (PPO) H5521_504 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) H8768_059 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not Cape May specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in Cape May, New Jersey?
For contract year 2026, the CMS Medicare Landscape Files record 45 Medicare Advantage and Part D plans available in Cape May, New Jersey. This count covers all contract types: SNP (8), MA-PD (29), MA (8).
What do Medicare plans cost in Cape May, New Jersey?
Base monthly premiums for plans in Cape May range from $0.00 to $172.00 — 23 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in Cape May, New Jersey rated?
CMS has assigned Overall star ratings (1–5 stars) to 43 of 45 plans in Cape May. The unweighted average overall star rating is 3.7 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget. 2 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in Cape May, New Jersey?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for Cape May, New Jersey, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files