NJ PAAD and Senior Gold raised their qualifications by $10,000 in 2022!
New Jersey has medication assistance programs called Pharmaceutical Assistance to the Aged and Disabled (PAAD) and Senior Gold. The only qualification for these programs is an individual’s or couples’ income. Assets are not asked on the NJ PAAD or Senior Gold applications. The New Jersey legislator raised the income qualification from 2021 to 2022 by $10,000!
Below are the income requirements for 2022. You can qualify as long as your gross income is below these thresholds.
Single |
Couple |
|
NJ PAAD |
$38,769 |
$45,270 |
Senior Gold |
$48,769 |
$55,270 |
What is NJ PAAD?
PAAD is not insurance; it is assistance for prescriptions, so recipients must continue to have a Medicare Part D or Medicare Advantage plan to cover their medications. NJ PAAD will pay for the monthly premium for certain Part D plans and help pay the monthly premium for Medicare Advantage plans. You can click here to view a list of Prescription Drug plans which are paid by NJ PAAD or click here to see the Medicare Advantage plans.
If you qualify for NJ PAAD, the state will mail a yellow card that you can present to any New Jersey pharmacy. The pharmacy will then bill your prescription drug plan first, NJ PAAD second, and the most you would pay is $5 for a generic medication or $7 for a brand name medication.
What is Senior Gold?
Senior Gold is similar to NJ PAAD, but individuals and couples with higher incomes can qualify for the program. This program does not help with the monthly premium for Medicare Part D or Medicare Advantage but gives a 50% discount on any medications after the first $15. So a medication that usually has a copay of $50 would be $32.50, and a medication that is usually $100 would be $57.50. Senior Gold also has a catastrophic cap of $2,000 for a single individual or $3,000 for a married couple. Once the Senior Gold recipient has paid those out of pocket amounts, the most someone would owe is $15 on a medication for the rest of the year.
Since the program's qualifications increased by $10,000 in 2022, anyone enrolled in Senior Gold in 2021 automatically was switch to NJ PAAD for 2022.
How do you apply for the New Jersey State Assistance programs?
We at New Jersey Medicare Brokers assist people with applications for these programs. The State uses an all in one application called NJ Save. The fastest way for an application to be processed is by applying on the state website. You can also apply with a paper application for either program by mailing it to the state office or faxing to 1-609-588-7122. You will have to upload or make copies of the below documentation to prove eligibility for the state assistance programs.
- Most recent tax return, if filed
- Social Security statement
- Statement from any other income source- Pension, IRA, Annuity, 401K
- Driver’s License or Identification card
- Medicare card
- Prescription Drug or Medicare Advantage plan card
- Heating and Electric bill (If you wish to apply for help)
NJ Save has multiple state assistance programs all on one application. The other programs include
Medicare Savings Program (MSP)- The state of New Jersey can pay for the Medicare Part B premium
Lifeline utility assistance- $225 annual utility benefit on electric and gas
Universal Service Fund (USF)- Utility assistance
Low Income Home Energy Assistance Program (LIHEAP)- Utility assistance
Hearing Aid Assistance to the Aged and Disabled (HAAAD)- Up to $500 per hearing aide
Supplemental Nutrition Assistance Program (SNAP)- Formerly known as Food Stamps
Feel free to reach out to New Jersey Medicare Brokers with any questions or help applying for state assistance programs.
Featured Blogs
- New for 2025 - A Payment Plan for Prescription Drugs
- What Original Medicare Does Not Cover
- How to Avoid Medicare Scams
- Say Goodbye to the Medicare Part D Donut Hole in 2025!
- What are my dental insurance options while on Medicare?
- 2024 Changes to the NJ PAAD and Senior Gold programs: GSK and Eli Lily Participation
- Medicare and Social Security updates for 2024
- 2024 Medicare Enrollment Period
- Medicare Announces Price Negotiations on 10 Prescriptions
- New and Expanded state assistance programs for Seniors in New Jersey - NJ PAAD, Senior Gold, NJ Freeze & Stay NJ
- Supporting a loved one on Medicare in New Jersey
- Five reasons to work with a Medicare Insurance Broker in New Jersey
- NJ FamilyCare, PAAD, and Senior Gold Renewal- Post COVID-19 Emergency Declaration
- 6 Ways to Prepare for Medicare if You’re Working Past 65
- Medicare updates for 2023!
- Medicare Annual Election Period ends 12/7 and NJ State Assistance thresholds have updated for 2023!
- Medicare Advantage Versus Medicare Supplement – What’s the difference?
- Shingles vaccines are $0 in 2023 thanks to the Inflation Reduction Act!
- Medicare Premium is Going Down in 2023! Medicare Annual Enrollment Period is here!
- Protecting Yourself Against Medicare Scams
- Medicare changes when moving to or from New Jersey
- Medicare Premium Payment Options
- NJ PAAD and Senior Gold raised their qualifications by $10,000 in 2022!
- The Medicare Advertisements should stop after December 7th!
- Medicare Open Enrollment Period Continues Until December 7th
- 2022 Medicare Open Enrollment Period
- What will you be billed for a hospital stay with Medicare coverage?
- Understanding Medicare and IRMAA - Income Related Monthly Adjustment Amount
- Does Medicare Cover Gym Membership?
- Are you insured when traveling with Medicare?
- Medicare and Dental
- What to Know when you Qualify for Medicare due to Disability in New Jersey
- What to Know About Medicare and COBRA
- What to Know About Visiting a New Jersey Social Security / Medicare Office
- Options for New Jersey Prescription Help
- How Important is the Medicare Star Rating?
- Medicare Assignment
- Why Should You Engage with a Medicare Broker?
- President Biden’s Medicare Plan
- A Guide to Medicare HMO and PPO Options
- Medicare Part D Senior Savings Model: An Overview
- Do You Need Help with Medicare.gov?
- Medicare and Acupuncture
- Medicare vs Medicaid: What's the Difference?
- What to Do When Helping Parents with Medicare
- Understanding the Medicare Plans in NJ
- Medicare and Coronavirus
- Delaying Medicare Part B
- Finding Medicare Assistance
- How Do I Sign Up for Medicare Part B in New Jersey?
- Medicare Help—Making Medicare Easy
- PAAD: New Jersey's Prescription Assistance Program
- Medicare Insurance Agents and Brokers
- Finding Your NJ Medicare Broker
- Medicare Part D Eligibility
- Medicare Advantage (Part C)
- New Jersey's Dual-Eligible Special Needs Plans - The Facts
- Medicare Eligibilty Age
- Medicare through Social Security Disability in New Jersey - You Don't Just Age into the System
- New Jersey Senior Gold Assistance Program- What You Need to Know
- Assistance Programs in New Jersey for Medicare Eligibles
- Top 7 Medicare Mistakes
- Utilizing Your New Jersey Medicare Insurance Agent
- Medicare and High Income: Does Income Change the Cost of Medicare?
- Changing Medigap Plans
- Why Am I Getting A Bill For a Medicare Physical Exam
- How Medicare Brokers Can Help
- Republican Plans for Medicare in 2020
- What You Need to Know About Medicare in New Jersey
- NJ PAAD Application Help
- What Really Is Medicare for All?