New Jersey programs that may help eligible seniors and residents with disabilities reduce medication costs.
Healthcare Savings
Prescription cost assistance
New Jersey
Eligible seniors and individuals with disabilities
NJ Department of Human Services
Prescription medication costs can create a significant financial burden, especially for older adults and individuals with disabilities who take multiple medications.
New Jersey offers two primary prescription assistance programs that may help eligible residents reduce out-of-pocket medication costs and make healthcare expenses more manageable.
Pharmaceutical Assistance to the Aged and Disabled
PAAD helps eligible New Jersey residents reduce the cost of prescription medications. If approved, PAAD may lower prescription costs for covered medications.
Income limits, benefit amounts, and program rules may change — check current information before applying.
Senior Gold Prescription Discount Program
Senior Gold assists New Jersey residents whose income may be above the PAAD limit but who still need help paying prescription costs.
Senior Gold may coordinate with Medicare Part D prescription coverage for eligible participants.
Many residents do not realize they may qualify for prescription savings programs.
Eligibility is determined by the State of New Jersey based on current program rules.
Review current eligibility requirements.
Gather income and personal information.
Complete the required application.
Submit documentation if requested.
Residents apply through the New Jersey Department of Human Services. Anyone who needs help understanding the application process may contact the State program office or seek assistance through Medicare counseling programs such as NJ SHIP.
Information on eligibility requirements, applications, program benefits, current income guidelines, and prescription assistance options.
Do not assume you earn too much to qualify.
Some residents who do not qualify for PAAD may still qualify for Senior Gold, and Medicare beneficiaries may also qualify for Medicare Part D Extra Help. Checking multiple programs may identify the greatest possible savings.
