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State Health Insurance Assistance Program (SHIP): Navigating Medicare
New PAAD & Senior Gold Guidelines for January 1, 2023
Pharmaceutical Assistance to the Aged and Disabled (PAAD) and Senior Gold are state-funded prescription programs which help eligible New Jersey residents with the cost of prescription medication. PAAD and Senior Gold only cover drugs approved by the Food and Drug Administration. The PAAD copayment is $5 for each covered generic drug and $7 for each covered brand name drug. If you are eligible for PAAD you may also be eligible to receive other benefits.
You are eligible for PAAD if you meet the following requirements:
- You are a New Jersey resident;
- Your income is less than $42,142 if you are single or less than $49,209 if you are married;
- You are at least 65 years of age OR at least 18 years of age and receiving Social Security Disability benefits;
- Enrolled in Medicare Part D, if eligible.
Senior Gold is a prescription discount program for elderly and disabled New Jersey residents who do not qualify for the PAAD program.
You are eligible for Senior Gold if you meet the following eligibility requirements:
- You are a New Jersey resident;
- Your income is less than $52,142 if you are single or less than $59,209 combined income if you are married;
- You are at least 65 years of age OR at least 18 years of age and receiving Social Security Disability benefits;
- Enrolled in Medicare Part D, if eligible.
NJ Save is a new online application for both PAAD and Senior Gold, to help low-income seniors and individuals with disabilities save money on Medicare premiums, prescription costs and other living expenses. You can get an application at:
https://www.state.nj.us/humanservices/doas/services/njsave/
or call Hunterdon County Division of Senior, Disabilities and Veterans’ Services at 908-788-1361 and ask for Pia Rey-Doklan, S.H.I.P. Coordinator.
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