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Low-income beneficiaries can save almost $7,000 a year. 

Save nearly $1,800 annually with a Medicare Savings Program (MSP)

Most seniors and individuals with disabilities on Medicare in 2022 will pay $170.10 each month directly out of their Social Security check for their Part B premium.

If your annual income in 2022 does not exceed $18,348 (if single) and $24,720 (if married), and your assets, not including your home and car, total no more than $8,400 for a single person or $12,600 for a couple, you can get the State of New Jersey to pay your Part B premium and save at least $1,800 each year on healthcare expenses. Lower income individuals may save even more.

Save an average of $5,000 with a Low Income Subsidy (LIS)

The average monthly premium for a Medicare Part D prescription drug plan is $37.07. 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 2022 does not exceed $20,385 for a single person or $27,465 for a couple, and your assets, not including your home and car, total no more than $15,510 for a single person or $30,950 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 $5,000 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 go online and complete an NJSave 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, 9 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
Essex Jewish Family Service of MetroWest New Jersey 973-637-1717
Gloucester AmeriCorps Seniors RSVP of Gloucester County 856-468-1742
Mercer The Children's Home Society of New Jersey 609-695-6274, ext. 153
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
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 (English & Spanish) & Poster

Your Guide to Free & Reduced-Cost Medicare Preventive Benefits: Brochure (English & Spanish), Poster & Pledge Card

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