Best Medicare Advantage Plans in Ocean County, NJ for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Ocean 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.
Ocean County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | DEVOTED CHOICE GIVEBACK 002 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $375/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 7 | DEVOTED CHOICE GIVEBACK EXTRAS 006 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $380/yr | $0−$70 Part B giveback | $9,650 | $8,810 | Too new to rate |
| 8 | 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★ |
| 9 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3★ |
| 10 | 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★ |
| 11 | DEVOTED CHOICE 001 NJ (PPO)Devoted Health · PPO14 of 21 counties · drug deductible $650Dental up to $1,750/yr · eyewear $300/yr | $0 | $9,350 | $9,350 | Too new to rate |
| 12 | Wellcare Low Premium (HMO-POS)Wellcare · HMO-POS20 of 21 counties · drug deductible $700Dental | $35 | $9,250 | $9,670 | 3★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO10 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 16 | AmeriHealth Medicare Classic Rx (HMO)AmeriHealth · HMO7 of 21 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | Too new to rate |
| 17 | Clover Health Choice (PPO)Clover Health · PPO8 of 21 counties · drug deductible $350Dental up to $1,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $9,850 | $9,850 | 5★ |
| 18 | Clover Health Choice Value (PPO)Clover Health · PPO8 of 21 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · OTC items $500/yr | $36.30 | $9,850 | $10,286 | 5★ |
| 19 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $150/yr | $65 | $9,850 | $10,630 | 4★ |
| 20 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS8 of 21 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $79 | $9,850 | $10,798 | 4★ |
| 21 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Preventive dental · eyewear $100/yr | $80 | $9,850 | $10,810 | 4★ |
| 22 | 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★ |
| 23 | Aetna Medicare Enhanced Advantage (PPO)Aetna Medicare · PPO7 of 21 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 24 | 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: 36 in 2026, 29 in 2027.
- $0-premium plans: 21 in 2026, 16 in 2027.
- Median in-network out-of-pocket maximum: $9,075 in 2026, $9,850 in 2027.
- 35,597 people here were in a general-audience Advantage plan in October 2026; 13,234 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), 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 Ocean County for 2027?
24 general-audience plans with drug coverage, 11 of them with a $0 monthly premium, compared with 36 plans and 21 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Ocean County?
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) from UnitedHealthcare: $0 a month with an in-network out-of-pocket maximum of $7,150, so at most about $7,150 for the year in premiums and in-network costs.
Do any Ocean County plans have a Part B giveback?
3 do. The largest is $140 a month off your Part B premium, from Clover Health Choice Giveback (PPO).
How many Ocean County plans have 4 or more stars?
14 of 24, 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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