Medicare Advantage Plans With a Part B Giveback in New Jersey
These New Jersey plans pay part of your Part B premium for 2027, according to the benefits each one filed with CMS. They’re sorted by the size of the giveback, with each plan’s worst-case year beside it: 12 months of premiums, less the giveback, plus the in-network out-of-pocket maximum.
Showing all 15 plans.
With drug coverage
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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 |
| 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 | 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 |
| 6 | 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★ |
| 7 | 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★ |
Without drug coverage
These plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)UnitedHealthcare · HMO-POSAll 21 countiesPart B giveback $150/mo · Dental up to $2,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $7,150 | $5,350 | 3.5★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO8 of 21 countiesPart B giveback $145/mo · Dental up to $2,500/yr · eyewear $250/yr | $0−$145 Part B giveback | $6,700 | $4,960 | 4★ |
| 3 | Clover Health Valor (PPO)Clover Health · PPO20 of 21 countiesPart B giveback $125/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $320/yr | $0−$125 Part B giveback | $9,850 | $8,350 | 5★ |
| 4 | AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)UnitedHealthcare · PPOAll 21 countiesPart B giveback $120/mo · eyewear $125/yr · hearing aids $700/yr | $0−$120 Part B giveback | $7,150 | $5,710 | 4★ |
| 5 | Humana USAA Honor Giveback (PPO)Humana · PPO12 of 21 countiesPart B giveback $105/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$105 Part B giveback | $6,750 | $5,490 | 4★ |
| 6 | Aetna Medicare Eagle Giveback (HMO)Aetna Medicare · HMOAll 21 countiesPart B giveback $100/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $280/yr | $0−$100 Part B giveback | $9,850 | $8,650 | 4★ |
| 7 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPOAll 21 countiesPart B giveback $90/mo · Dental up to $1,500/yr · eyewear $200/yr · OTC items $280/yr | $0−$90 Part B giveback | $9,850 | $8,770 | 4★ |
| 8 | HumanaChoice Giveback H5216-116 (PPO)Humana · PPO8 of 21 countiesPart B giveback $69/mo · Dental up to $1,000/yr · eyewear $250/yr | $0−$69 Part B giveback | $4,150 | $3,322 | 4★ |
Giveback = the monthly Part B premium reduction each plan filed with CMS for 2027. Worst-case year = 12 × (monthly plan premium − giveback) + in-network maximum out-of-pocket, so a large giveback can make it lower than the out-of-pocket maximum. The standard Part B premium was $202.90 a month in 2026. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. See every New Jersey plan, giveback or not, in our New Jersey Medicare Advantage ranking.
Questions
Which Medicare Advantage plans in New Jersey have a Part B giveback for 2027?
15 of the 56 general-audience plans in New Jersey filed a Part B premium reduction with CMS for 2027: 7 with drug coverage and 8 without. The largest is $140 a month, from Clover Health Choice Giveback (PPO).
How do I get the Part B giveback?
Join the plan. The plan's reduction comes off the standard Part B premium you'd otherwise pay, whether that premium is taken from your Social Security benefit or billed to you. You keep paying any Part B premium that's left.
Is a giveback plan the cheapest choice?
Not always. Plans that pay back part of your Part B premium can have higher copays, a higher out-of-pocket maximum or a narrower network. The worst-case year in the table counts the giveback as money back and adds the out-of-pocket maximum, so you can compare plans on one number.
Does the giveback help if Medicaid pays my Part B premium?
No. If Medicaid or a Medicare Savings Program pays your Part B premium, CMS sends the reduction to your state, not to you. The giveback also can't lower a Part B late enrollment penalty.
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.
- CMS, Medicare State Buy-in Manual, Chapter 1 (Part B premium reductions by Medicare Advantage plans) — cms.gov PDF.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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