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  1. 🏠
  2. Medicare Advantage Plans
  3. New Jersey
  4. Cumberland County

2027 Medicare Advantage Plans in Cumberland County, NJ

Last update: November 7, 2026.

In Cumberland County, NJ, there are 33 Medicare Advantage plans available for 2027. Of these, 18 offer a $0 monthly premium, and about 73% are rated 4 stars or higher based on CMS quality ratings.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$33.93/mo
Plans with $0 Premium
18
Average MOOP Limit
$8,671 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 73% · 3 Stars: 24% · Below 3: 3%
Average Part D Deductible
$602.12
Total MA/MAPD Enrollment
6,877
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Clover Health Choice (PPO) — 1,490 enrollees
2. Clover Health Choice Value (PPO) — 1,005 enrollees
3. HumanaChoice Giveback H5216-319 (PPO) — 730 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Cumberland County, NJ. Or explore all Medicare Options available in Cumberland County, NJ. To understand how local plans fit into the broader market, visit our New Jersey Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
21
Average Monthly Premium
$38.65/mo
Total PPO Enrollment
5,714
$0 Premium PPO Plans
10
Average MOOP
$8,748
Top PPO by Enrollment
Clover Health Choice (PPO) — 1,490 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Cumberland County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Clover Health Choice
☆☆☆☆☆
$0 $9,850 $350 H5141-032-0
Clover Health Choice Giveback
☆☆☆☆☆
$0 $9,850 $440 H5141-054-0
Clover Health Choice Value
☆☆☆☆☆
$36 $9,850 $450 H5141-042-0
Clover Health Valor
☆☆☆☆☆
$0 $9,850 N/A H5141-061-0
HumanaChoice Giveback H7617-045
☆☆☆☆☆
$0 $8,000 $700 H7617-045-0
HumanaChoice Giveback H7617-127
☆☆☆☆☆
$0 $8,250 $700 H7617-127-0
AARP Medicare Advantage from UHC NJ-0004
☆☆☆☆☆
$69 $8,900 $685 H8768-022-0
AARP Medicare Advantage from UHC NJ-0005
☆☆☆☆☆
$79 $8,400 $685 H8768-035-0
AARP Medicare Advantage from UHC NJ-6
☆☆☆☆☆
$29 $9,400 $685 H8768-058-0
AARP Medicare Advantage Patriot No Rx NJ-MA2
☆☆☆☆☆
$0 $7,150 N/A H8768-059-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,850 N/A H5521-504-0
Aetna Medicare Elite
☆☆☆☆☆
$65 $9,850 $700 H5521-123-0
Aetna Medicare Enhanced
☆☆☆☆☆
$149 $9,850 $700 R6694-006-0
Aetna Medicare Enhanced
☆☆☆☆☆
$80 $9,850 $700 H5521-512-0
Aetna Medicare Enhanced Advantage
☆☆☆☆☆
$109 $9,850 $700 H5521-510-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$104 $9,850 $700 H5521-124-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,700 N/A H5216-221-0
HumanaChoice Giveback H5216-116
☆☆☆☆☆
$0 $4,150 N/A H5216-116-0
HumanaChoice Giveback H5216-319
☆☆☆☆☆
$0 $8,000 $700 H5216-319-0
HumanaChoice H5216-461
☆☆☆☆☆
$36 $9,250 $700 H5216-461-0
Jefferson Health Plans Premier
☆☆☆☆☆
$55 $7,000 $0 H3124-003-0
What is the total number of PPO plans offered in Cumberland?

Cumberland County has 21 PPO plans for 2027, with 5,714 enrolled.

How much do PPO plans cost in Cumberland?

The typical PPO premium in Cumberland is $38.65, and 10 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
4
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
1,002
$0 Premium HMO Plans
4
Average MOOP
$9,650
Top HMO by Enrollment
Humana Gold Plus H6622-099 (HMO) — 526 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Cumberland County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $9,850 N/A H3152-045-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $9,850 $700 H3152-082-0
Humana Gold Plus H6622-099
☆☆☆☆☆
$0 $9,050 $700 H6622-099-2
Jefferson Health Plans Elite
☆☆☆☆☆
$0 $9,850 $0 H9207-018-0
What is the average monthly premium for HMO plans?
HMO plans in Cumberland cost $0.00 per month on average.
Which HMO plan is most popular in Cumberland?
The most popular HMO plan in Cumberland is Humana Gold Plus H6622-099 (HMO), with 526 enrollees.
How many HMO plans in Cumberland do not include drug coverage?
There are 1 HMO plans in Cumberland without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 8
  • Average Monthly Premium $38.50/mo
  • Total HMO-POS Enrollment 161
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $7,981
  • Top HMO-POS by Enrollment Aetna Medicare Enhanced (HMO-POS) — 95 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Cumberland County, New Jersey, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Enhanced
☆☆☆☆☆
$79 $9,850 $700 H3152-022-0
AARP Medicare Advantage Essentials from UHC NJ-1
☆☆☆☆☆
$0 $7,150 $685 H0755-038-0
AARP Medicare Advantage Extras from UHC NJ-7
☆☆☆☆☆
$0 $7,150 $685 H0755-046-0
AARP Medicare Advantage from UHC NJ-0002
☆☆☆☆☆
$79 $7,150 $595 H0755-044-0
AARP Medicare Advantage from UHC NJ-0003
☆☆☆☆☆
$115 $6,900 $595 H0755-045-0
AARP Medicare Advantage Patriot No Rx NJ-MA01
☆☆☆☆☆
$0 $7,150 N/A H0755-037-0
Wellcare Assist
☆☆☆☆☆
$0 $9,250 $700 H0913-015-0
Wellcare Low Premium
☆☆☆☆☆
$35 $9,250 $700 H0913-002-0
What is the total number of HMO-POS plans in Cumberland?

There are 8 HMO-POS plans in 2027, covering 161 enrollees.

How much do HMO-POS plans cost in Cumberland?

The average HMO-POS premium in Cumberland is $38.50 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Cumberland?

Aetna Medicare Enhanced (HMO-POS) is the top HMO-POS in Cumberland, with 95 enrollees.

What is the number of HMO-POS plans without Part D coverage in Cumberland?

1 HMO-POS plans in Cumberland do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Cumberland County, NJ for 2027.

CMS Star Ratings for Medicare Advantage Plans in Cumberland County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 12%
4 Stars (includes 5 Stars) 24 73%
3 Stars 8 24%
Below 3 Stars 1 3%
Not Rated 0 0%
Average Rating 3.94

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Cumberland County, New Jersey, including communities such as Bridgeton, Cedarville, Delmont, Leesburg, Millville, Port Norris, Vineland, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-10

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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