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Help Paying for Medicare in Brick, NJ
Medicare does not pay for everything, and the bills can add up. New Jersey and the federal government offer programs that may lower your costs if your income or assets are limited. This page is your starting point for NJ help paying for Medicare in Brick, NJ.
Based in Brick, NJ. We come to you for scheduled appointments. No walk-in office visits.
Five programs worth checking
Many people do not apply because they assume they earn too much. The limits are higher than most expect, and some programs look at income only. Each one covers something different, and you may be able to use more than one.
- PAAD and Senior Gold help pay for prescriptions.
- Medicare Savings Program may pay your Medicare premiums and sometimes your cost-sharing.
- Extra Help lowers Part D premiums and drug copays.
- NJ FamilyCare ABD is the state's Medicaid program for older, blind and disabled adults.
- Dual eligible special needs plans are Medicare Advantage plans for people who have both Medicare and Medicaid.
The programs side by side
| Program | What it helps with | income limit, single person |
|---|---|---|
| PAAD | Prescription copays | Verify current amount and eligibility |
| Senior Gold | Prescription copays, with a higher income range | Verify current amount and eligibility |
| Medicare Savings Program | Medicare premiums, and sometimes more | Verify current amount and eligibility |
| Extra Help | Part D premiums and copays | Verify current amount and eligibility |
| NJ FamilyCare ABD | Health coverage, with some programs covering long-term care | Verify current amount and eligibility |
| Dual eligible plans | A Medicare Advantage plan for people with Medicaid | Depends on your Medicaid status |
We checked these figures on October 24,, against New Jersey and federal pages. They are and they change each year, so ask before you rely on them. Asset limits also apply to several programs.
Who is most likely to benefit
These programs may be worth a look if any of the following fits you.
- You live on Social Security and a small pension.
- You take several medicines each month.
- You have trouble paying the Part B premium.
- You have both Medicare and Medicaid.
- You are under 65 and get Social Security disability pay.
Your home and one car usually do not count toward asset limits for several programs. Details differ by program, so read each page.
How these programs work with Medicare
State programs do not replace Medicare. They sit alongside it.
A Medicare Savings Program, for example, may pay your Part B premium, which can raise your monthly Social Security check. Extra Help works inside a Part D plan.
Some programs connect. Getting one benefit may open the door to another. For example, joining a Medicare Savings Program usually means you get Extra Help automatically.
NJ help paying for Medicare in Brick, NJ: where to apply
New Jersey runs several of these programs through its Department of Human Services. Apply through the state, your county board of social services or the county's senior services office. The state counseling program, SHIP, can walk through the forms at 1-800-792-8820.
A insurance professional can explain which Medicare plan works with your benefits. We do not process the applications.
Keep your papers ready
Gather the items below before you apply.
- Photo ID and your Medicare card.
- Proof of income, such as a Social Security award letter.
- Bank statements.
- Proof of any other insurance.
- Your address, even if you move between homes.
Explore each program
Not sure where to begin? Return to the Medicare guide for Brick, NJ or see new to Medicare for the basics. The coverage and costs hub shows how plans compare.
Ask which programs may fit your household
These programs have income and asset limits that change. An insurance professional can explain plans available where you live, and where to apply.
Frequently Asked Questions
Who can get help paying for Medicare in New Jersey?
People with limited income or assets may. Each program has its own limits, and you may be able to use more than one.
Do these programs replace Medicare?
No. They work with Medicare and may lower your premiums, copays or drug costs.
Are the income limits the same every year?
No. Most are updated each year, so ask for the current limits before you apply.
Where do I apply?
Apply through New Jersey or your county board of social services, depending on the program. SHIP counselors can help at 1-800-792-8820.
Can a Medicare agent apply for me?
No. A insurance professional can explain plans available where you live, but you apply for state programs through the state.
Talk it through with an insurance professional
Call (732) 641-1183 or send a message. Plain answers, no pressure.
One place to start with New Jersey cost help
This page brings the main assistance paths together: Medicare Savings Programs, Extra Help for prescription costs, PAAD and Senior Gold, and NJ FamilyCare ABD. Each has its own eligibility and application rules. Use current official program information instead of an older income or asset table.
Prepare household income information, benefit notices and current coverage details. A website inquiry is not an application for public benefits. Ask the responsible program which documents are needed and how to send them safely.
Check assistance through official programs
- Extra Help through Social Security: explore help with Part D costs.
- NJSave screening and application guidance: explore New Jersey assistance, including Medicare Savings Programs.
- PAAD prescription assistance and Senior Gold: check state prescription-program requirements.
- New Jersey SHIP: request independent counseling.
Compare these programs with your Part D drug coverage and learn about Medicare and Medicaid coordination. Program eligibility can change and must be confirmed with the administering agency.