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Low-income beneficiaries can save close to $5,000 a year. 

Save more than $1,300 annually with a Medicare Savings Program (MSP)

Most seniors and individuals with disabilities on Medicare pay between $109.00 and $134.00 each month directly out of their Social Security check for their Part B premium.

If your annual income in 2017 does not exceed $16,281 (if single) and $21,924 (if married), and your assets, not including your home and car, total no more than $7,390 for a single person or $11,090 for a couple, you can get the State of New Jersey to pay your Part B premium and save at least $1,300 each year on healthcare expenses. Lower income individuals may save even more.

Save an average of $3,900 with a Low Income Subsidy (LIS)

The average monthly premium for a Medicare Part D prescription drug plan is $40.81. In addition, each time a senior and individual with disabilities on Medicare goes to the pharmacy, they must pay their co-pay and, in the donut hole, about half the cost of their medication.

If your annual income in 2017 does not exceed $18,090 for a single person or $24,360 for a couple, and your assets, not including your home and car, total no more than $13,820 for a single person or $27,600 for a couple, you can get the State of New Jersey to pay your Part D premium, lower your co-pay amount and pay only that reduced co-pay amount throughout the year (i.e., you have no donut hole). People on LIS also pay no late enrollment penalty. The average person on LIS saves $3,900 each year in prescription costs.

To learn more about and apply for these programs contact your County State Health Insurance Assistance Program (SHIP). You can also complete a Low Income Subsidy application on-line at, or you can complete a state-issued Universal Application that screens and enrolls eligible individuals in up to 10 different assistance programs including a Low Income Subsidy or Medicare Savings Program.

In addition, 11 agencies have received grant funding to promote and help individuals in their county enroll in these programs.  Contact one of these agencies if you live in their county:

County Agency Phone
Bergen Bergen County Division of Senior Services 201-336-7413
Burlington Burlington County Retired & Senior Volunteer Program (RSVP)  609-894-9311, ext. 1051
Cape May Cape May Department of Aging and Disability Services 609-886-8138
Essex Jewish Family Service of MetroWest New Jersey 973-637-1717
Gloucester Senior Corp. of Gloucester County  856-468-1742
Mercer Family Guidance Center Corp. 609-393-1626
Monmouth Family and Children's Service  732-728-1331
Morris Skylands RSVP Volunteer Resource Center, NORWESCAP  973-784-4900, ext. 3501
Salem Salem County Office on Aging  856-339-8622
Somerset Somerset County Office on Aging and Disability Services  908-704-6346
Sussex Sussex County Division of Senior Services  973-579-0555, ext. 1223
Warren Warren County Division of Aging and Disability Services  908-475-6591


Brochures, Posters & Pledge Cards

Get Help Paying Your Medicare Costs: Brochure & Poster

Your Guide to Free & Reduced-Cost Medicare Preventive Benefits: BrochurePoster & Pledge Card

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