Medicare agents in Bergen County, NJ

Agents in Bergen County

Before you meet anyone, check their New Jersey license.

Medicare in Bergen County

People with Medicare

195,277

In Medicare Advantage or another Medicare health plan

37% (71,358)

With both Medicare and Medicaid*

11% (21,675)

Bergen County has more people with Medicare than any other New Jersey county. 37% are in Medicare Advantage or another Medicare health plan, compared with 41% across New Jersey. 11% also have Medicaid*, compared with 13% statewide.

Source: CMS Medicare Monthly Enrollment, July 2026, for the county and the state. Bergen County has about 978,641 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.

2027 plans offered in Bergen County

Medicare Advantage with drug coverage

28 plans, 14 with a $0 plan premium

Medicare Advantage without drug coverage

6 plans

Special Needs Plans

12 plans: 5 for people with both Medicare and Medicaid; 4 for people with certain chronic conditions; 3 for people who live in, or need the care of, a nursing home. Only people who qualify can join.

Companies offering these plans

8

For comparison, the typical New Jersey county has 27 Medicare Advantage plans with drug coverage for 2027.

Standalone drug plans in New Jersey: 11 plans, with monthly premiums from $5.30.

Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.

Cities, towns and ZIP codes in Bergen County

Everything on this page applies across the whole county, including these places.

Source: Census Bureau, Vintage 2024 population estimates, the 2020 list of census-designated places, and 2020 ZIP Code Tabulation Areas (which leave out ZIP codes used only for PO boxes). A place or ZIP code that crosses a county line is listed in each county it covers a real part of.

Free local help

New Jersey State Health Insurance Assistance Program (SHIP)

New Jersey's free, unbiased Medicare counseling program. 1-800-792-8820 · Website

The New Jersey Department of Banking and Insurance

Licenses agents and takes complaints. 1-800-446-7467 · How to check a license

1-800-MEDICARE

1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.

New Jersey rules to know

Switching Medigap plans

New Jersey doesn't add a yearly Medigap switching right. Outside your 6-month Medigap Open Enrollment Period (which starts when you're 65 or older and have Part B) and certain federal protections, such as losing other coverage, insurers can usually ask health questions and turn you down. States with switching rights.

Medigap under 65

Required, with limits. New Jersey lets people under 65 on Medicare because of a disability buy Medigap Plan D (Plan C if eligible before 2020) if they apply within 12 months of enrolling in Part B, from every Medigap insurer if they are 50 to 64 or from one designated insurer if they are under 50; the state page does not mention kidney failure (ESRD).

Agent licenses

Agents must be licensed for health insurance in New Jersey. Look one up.

Dates to know

October 15 to December 7

Open Enrollment: change Medicare Advantage or drug plans for the next year.

January 1 to March 31

Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.

Turning 65

A 7-month window around your birthday month. The checklist.

Moving to Bergen County from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.

Common questions

Nearby

• Essex County
• Hudson County
• Passaic County
• Bronx County, NY
• New York County, NY
• Rockland County, NY
• Westchester County, NY
• All New Jersey counties

Keep reading

• How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
• Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
• Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.