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

2027 Medicare Advantage Plans in Ocean County, NJ

Last update: November 8, 2026.

For 2027, Ocean County, NJ includes 29 Medicare Advantage plans. Enrollment across these plans totals approximately 22,363, with 12 $0 premium options and 72% rated 4 stars or higher.

  • 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: $40.93/mo
  • $0 Premium Plans: 12
  • Average MOOP: $8,990 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 72% · 3 Stars: 28% · Below 3: 0%
  • Average Part D Deductible: $624.00
  • Total MA/MAPD Enrollment: 22,363
  • Plans with the Highest Enrollment
    (as of November 10, 2026)
    1. AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 3,308 enrollees
    2. Clover Health Choice (PPO) — 2,788 enrollees
    3. AARP Medicare Advantage from UHC NJ-0005 (PPO) — 2,424 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Ocean County, NJ are summarized separately. Visit Medicare Options in Ocean County, NJ to see more options. For a broader perspective, explore New Jersey Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
14
Average Monthly Premium
$51.09/mo
Total PPO Enrollment
13,949
$0 Premium PPO Plans
5
Average MOOP
$9,454
Top PPO by Enrollment
Clover Health Choice (PPO) — 2,788 enrollees
PPO Plans Without Drug Coverage
3

2027 PPO Medicare Advantage plans in Ocean County, New Jersey (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. 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
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
☆☆☆☆☆
$80 $9,850 $700 H5521-512-0
Aetna Medicare Enhanced
☆☆☆☆☆
$149 $9,850 $700 R6694-006-0
Aetna Medicare Enhanced Advantage
☆☆☆☆☆
$109 $9,850 $700 H5521-510-0
Aetna Medicare Enhanced Extra
☆☆☆☆☆
$99 $9,850 $700 H5521-037-0

What is the average monthly premium for PPO plans in Ocean?

PPO plans in Ocean cost $51.09 per month on average.

Which PPO plan has the highest enrollment in Ocean?

The most popular PPO plan in Ocean is Clover Health Choice (PPO), with 2,788 enrollees.

How many PPO plans in Ocean do not include prescription drug coverage?

3 PPO plans in Ocean do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 3
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 3,141
  • $0 Premium HMO Plans 3
  • Average MOOP $9,517
  • Top HMO by Enrollment Aetna Medicare Signature Extra (HMO) — 1,957 enrollees
  • HMO Plans Without Drug Coverage 1

2027 HMO Medicare Advantage plans in Ocean County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 H6622-100
☆☆☆☆☆
$0 $8,850 $325 H6622-100-1
What is the top HMO by enrollment in Ocean?

Aetna Medicare Signature Extra (HMO) is the top HMO in Ocean, with 1,957 enrollees.

What is the number of HMO plans without Part D coverage in Ocean?

1 HMO plans in Ocean do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
8
Average Monthly Premium
$38.50/mo
Total HMO-POS Enrollment
5,273
$0 Premium HMO-POS Plans
4
Average MOOP
$7,981
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) — 3,308 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Ocean County, New Jersey (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 typical premium for HMO-POS plans in Ocean?

HMO-POS plans in Ocean cost $38.50 per month on average.

Which HMO-POS plan has the most members in Ocean?

The most popular HMO-POS plan in Ocean is AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS), with 3,308 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Ocean?

There are 1 HMO-POS plans in Ocean without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Ocean County, NJ (2027) are summarized below.

Medicare Advantage Plan Ratings in Ocean County, NJ (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 4 16%
4 Stars (includes 5 Stars) 18 72%
3 Stars 7 28%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.98

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Ocean County, New Jersey, including communities such as Barnegat, Beach Haven, Manahawkin, Tuckerton, West Creek, Jackson, New Egypt, Lakewood, Bayville, Beachwood, Brick, Forked River, Lakehurst, Lanoka Harbor, Lavallette, Ocean Gate, Pine Beach, Point Pleasant Beach, Seaside Heights, Seaside Park, Toms River, Waretown, Manchester Township, 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

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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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