Top 3 ‘Hidden’ Benefits You May Be Missing in New Jersey Medicare Advantage Plans

Many seniors in New Jersey enroll in Medicare Advantage for its simplicity, but few realize how many extra benefits are quietly included. These “hidden” perks can improve your health, save you money, and make daily life easier — if you know where to find them.

Here are the top 3 benefits most New Jersey seniors don’t know they already have.

1. Over-the-Counter (OTC) Allowances

Most Medicare Advantage plans offer a monthly or quarterly allowance for non-prescription items like vitamins, pain relievers, allergy medication, or first-aid supplies. Many seniors forget to use this benefit, and those unused funds often expire at the end of the period. You can typically order these items online or through a mail-order catalog, and they’ll be delivered right to your door — for free.

2. Fitness and Wellness Programs

Programs like SilverSneakers, Renew Active, or Silver&Fit are included in many New Jersey Medicare Advantage plans — at no extra cost. These programs give seniors free access to local gyms, fitness classes, and even online workouts from home. Some plans also include nutrition counseling and health coaching to help you stay active and independent longer.

3. Transportation Assistance

Several Medicare Advantage plans in New Jersey provide free or low-cost rides to medical appointments, pharmacies, and even wellness activities. This benefit can be a lifesaver for seniors who don’t drive or have limited mobility. The number of rides per year may vary depending on the plan, but it can prevent missed appointments and reduce the hassle of arranging transport.

Final Thoughts

Medicare Advantage plans often offer much more than just hospital and doctor coverage. From OTC credits and gym memberships to transportation assistance, these hidden benefits can make daily life easier and healthier. Take a few minutes to review your plan — you may be sitting on unused benefits that could save you money and improve your well-being.

If you need help understanding what your plan covers, Senior Health Stop can guide you step-by-step and make sure you’re getting every benefit you’re entitled to.