The State of New Jersey
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The Medicare Supplement Under 50 Program

A goal of the Medicare Supplement Under 50 Program is to equitably spread the losses that are incurred by the contracting carrier among other carriers offering health coverage in New Jersey, within limits established by law. To achieve this goal, the Governing Board collects information about carrier market share, audits the reported losses of the Contracting Carrier, makes recommendations for assessments by market share to reimburse the audited losses, collects the assessments, then distributes funds to the Contracting Carrier. In addition, the Governing Board recommends certain underwriting standards for the program, responding as necessary to changes in federal law. However, the Commissioner of the Department of Banking and Insurance has final approval of the assessments and distributions, and promulgates regulations for the program.

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Composition of the Governing Board of the


Medicare Supplement Writer Representative UnitedHealthCare - Christina Wagner
Medicare Supplement Writer Representative Transamerica - Moshe Nelkin (Chair)
Health Maintenance Organization Aetna Health - Ashonti Davis
American Health Insurance Plans Representative Vacant
Public (familiar with Medicare Supplement coverage) Patricia Walsh
Public (familiar with Medicare Supplement coverage) Ron Ouellette
Contracting carrier (with limited voting rights) Horizon - Jackie Duddy
Commissioner (ex-officio, non-voting) Gale Simon (designee)
Additional Information
Medicare Supplement Coverage Plan of Operation/Addendum
Minutes of Meetings
  • Plan of Operation
  • Addendum (Underwriting Guidelines)
Financial Information & Other Data - find information about the following:
  • Enrollment
  • Revenues and Expenses
  • Assessments made
  • Claims, loss ratios, and certain trends

Forms Current Contracts

Regulations are set forth at N.J.A.C. 11:4-23A

For proposed and adopted new rules and amendments, bulletins, or public notices related to the Medicare Supplement Under 50 Program, go to the Legislative and Regulatory Affairs page


Making Contact

  1. For general information, to file a complaint, media inquiries, or other submissions, use the information here.
  2. For submission of Market Share Reports, follow the instructions included on the form.
  3. For payment of assessments, follow the instructions included on the invoice.

Want more information about Medicare or the Medicare Supplement Plan?

Contact the State Health Insurance Assistance Program (1-800-792-8820), or Horizon Blue Cross Blue Shield of New Jersey (1-888-285-8020 or 1-877-234-1240; 711 (TDD/TTY)).

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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New Jersey Department of Banking and Insurance