Best Medicare Advantage Plans in Bergen County, NJ for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Bergen County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Bergen County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Clover Health Value (HMO)Clover Health · HMO7 of 21 counties · drug deductible $200Dental up to $2,000/yr · eyewear $250/yr · OTC items $600/yr | $36.30 | $4,500 | $4,936 | 4.5★ |
| 2 | Clover Health Classic (HMO)Clover Health · HMO6 of 21 counties · drug deductible $0Dental up to $1,250/yr · eyewear $200/yr · OTC items $260/yr | $0 | $6,000 | $6,000 | 4.5★ |
| 3 | HumanaChoice Giveback H7617-045 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $108/mo · Dental up to $1,250/yr · eyewear $200/yr | $0−$108 Part B giveback | $8,000 | $6,704 | 4.5★ |
| 4 | HumanaChoice Giveback H5216-319 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $106/mo · Dental up to $1,250/yr · eyewear $200/yr | $0−$106 Part B giveback | $8,000 | $6,728 | 4★ |
| 5 | AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 3.5★ |
| 6 | AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $685Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 7 | HumanaChoice Giveback H7617-127 (PPO)Humana · PPO19 of 21 counties · drug deductible $700Part B giveback $26/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$26 Part B giveback | $8,250 | $7,938 | 4.5★ |
| 8 | AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $595Preventive dental · eyewear $175/yr · hearing aids $1,000/yr | $79 | $7,150 | $8,098 | 3.5★ |
| 9 | Clover Health Choice Giveback (PPO)Clover Health · PPO20 of 21 counties · drug deductible $440Part B giveback $140/mo · Dental up to $500/yr · eyewear $200/yr · OTC items $100/yr | $0−$140 Part B giveback | $9,850 | $8,170 | 5★ |
| 10 | AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 counties · drug deductible $595Preventive dental · eyewear $175/yr · hearing aids $1,000/yr | $115 | $6,900 | $8,280 | 3.5★ |
| 11 | Humana Gold Plus H6622-100 (HMO)Humana · HMO7 of 21 counties · drug deductible $325Dental up to $2,000/yr · eyewear $250/yr | $0 | $8,850 | $8,850 | 4★ |
| 12 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3★ |
| 13 | AARP Medicare Advantage from UHC NJ-0005 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $79 | $8,400 | $9,348 | 4★ |
| 14 | Aetna Medicare Prime Giveback (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Part B giveback $15/mo · Preventive dental · eyewear $100/yr | $0−$15 Part B giveback | $9,850 | $9,670 | 4★ |
| 15 | Wellcare Low Premium (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $35 | $9,250 | $9,670 | 3★ |
| 16 | HumanaChoice H5216-461 (PPO)Humana · PPO20 of 21 counties · drug deductible $700Dental · eyewear $100/yr | $36.30 | $9,250 | $9,686 | 4★ |
| 17 | AARP Medicare Advantage from UHC NJ-0004 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $69 | $8,900 | $9,728 | 4★ |
| 18 | AARP Medicare Advantage from UHC NJ-6 (PPO)UnitedHealthcare · PPOAll 21 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $29 | $9,400 | $9,748 | 4★ |
| 19 | Aetna Medicare Prime (HMO-POS)Aetna Medicare · HMO-POS10 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 20 | Aetna Medicare Prime (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 21 | Clover Health Choice (PPO)Clover Health · PPO12 of 21 counties · drug deductible $350Dental up to $1,500/yr · eyewear $300/yr · OTC items $300/yr | $0 | $9,850 | $9,850 | 5★ |
| 22 | Wellpoint Extra Help (HMO)Wellpoint · HMO8 of 21 counties · drug deductible $0eyewear $125/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 23 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO13 of 21 counties · drug deductible $700Preventive dental · eyewear $150/yr | $25 | $9,850 | $10,150 | 4★ |
| 24 | Clover Health Choice Value (PPO)Clover Health · PPO12 of 21 counties · drug deductible $440Dental up to $2,500/yr · eyewear $300/yr · OTC items $580/yr | $36.30 | $9,850 | $10,286 | 5★ |
| 25 | Aetna Medicare Prime Extra (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $84 | $9,850 | $10,858 | 4★ |
| 26 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO10 of 21 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $99 | $9,850 | $11,038 | 4★ |
| 27 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 28 | Aetna Medicare Enhanced (Regional PPO)Aetna Medicare · Regional PPOAll 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $149 | $9,850 | $11,638 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 39 in 2026, 34 in 2027.
- $0-premium plans: 23 in 2026, 20 in 2027.
- Median in-network out-of-pocket maximum: $9,250 in 2026, $9,250 in 2027.
- 45,183 people here were in a general-audience Advantage plan in October 2026; 1,349 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO), Clover Health Valor (PPO), Aetna Medicare Eagle Giveback (HMO), Aetna Medicare Eagle Giveback (PPO).
Questions
How many Medicare Advantage plans are in Bergen County for 2027?
28 general-audience plans with drug coverage, 14 of them with a $0 monthly premium, compared with 39 plans and 23 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Bergen County?
Clover Health Value (HMO) from Clover Health: $36.30 a month with an in-network out-of-pocket maximum of $4,500, so at most about $4,936 for the year in premiums and in-network costs.
Do any Bergen County plans have a Part B giveback?
5 do. The largest is $140 a month off your Part B premium, from Clover Health Choice Giveback (PPO).
How many Bergen County plans have 4 or more stars?
21 of 28, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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