NJ PAAD Application Help
NJ Medicare Prescription Help
New Jersey has prescription drug help available for residents with a limited income. This program is called PAAD, Pharmaceutical Assistance to the Aged and Disabled. If the NJ PAAD application seems cumbersome advisors through New Jersey Medicare Brokers LLC can help you fill out the application and assist you with the enrollment process at no charge.
Medicare Part D is prescription drug insurance through private companies which work with the Medicare. On its own Part D plans reduce your drug costs to copays or coinsurance, however the medications costs are continuously rising. It’s not uncommon for a Medicare recipient to have to pay thousands of dollars per year on their medications. For those that cannot afford that, filling out a NJ PAAD application could save you a lot of money.
How Do You Become Eligible for NJ PAAD?
Qualification for PAAD is based on your income only, assets do not disqualify you for the program. This means you can qualify even if you have a retirement account, investments, and own a home. Many people do not know this and do not fill out a PAAD application because they think their assets will disqualify them.
Eligibility requirements are:
- You must be a New Jersey resident;
- Age 65, or aged 18 to 64 with Social Security disability benefits;
- 2019 income that is less than $27,951 (single) or $34,268 (married); and
- Enrolled in Medicare Part D.
NJ PAAD pays the monthly premium for specific Medicare Part D plans and if you show your pharmacist your card they will bill the state instead of you for all medication costs other than $7 per medication. This is much more manageable for many people. Since this is a New Jersey program you must use a pharmacy and not enroll in the mail order program with your Part D plan.
What Needs To Be Submitted With The PAAD Application?
Along with your application you will need to make copies of documents and cards to prove you are a New Jersey resident, that you are on Medicare, and that you are under the income requirements. Below is a list required items.
- Drivers License or Identification card with date of birth and current address
- Medicare card
- Current Prescription Drug insurance card
- Most recent Tax Return
- Statements from any income source (Social Security statement, pension, annuity, dividends, interest)
PAAD applications are can either be completed on paper or electronically. If you complete the application in paper you can fax the documents to the state at 609-588-7122 or mail to PO Box 637 Trenton, NJ 08625. New Jersey takes a month on average to process the application and determine eligibility. To learn more about the NJ PAAD and Senior Gold programs click here.
What Are Some Restriction With NJ PAAD's Medicare Drug Help?
Anyone on PAAD or Senior Gold must be enrolled in a Part D drug insurance plan. NJ PAAD is not insurance, it is assistance to help pay for your insurance and the cost sharing on medications. Along with being required to be enrolled in Medicare Part D, there are a few other restrictions that apply to coverage:
- Medications not covered by your Medicare Part D cannot be covered by NJ PAAD. Recipients must change to a medication that is on the plan's formulary. Alternatively, the patient's doctor must submit a formal request for an exception..
- PAAD will not pay for testing supplies for diabetes. A pharmacy has to bill your insurance plan instead.
- If you are on Medicaid, you will not be eligible.
- Most beneficiaries must reapply for NJ PAAD every two years, but some will need to recertify yearly.
- What are my dental insurance options while on Medicare?
- 2024 Changes to the NJ PAAD and Senior Gold programs: GSK and Eli Lily Participation
- Medicare and Social Security updates for 2024
- 2024 Medicare Enrollment Period
- Medicare Announces Price Negotiations on 10 Prescriptions
- New and Expanded state assistance programs for Seniors in New Jersey - NJ PAAD, Senior Gold, NJ Freeze & Stay NJ
- Supporting a loved one on Medicare in New Jersey
- Five reasons to work with a Medicare Insurance Broker in New Jersey
- NJ FamilyCare, PAAD, and Senior Gold Renewal- Post COVID-19 Emergency Declaration
- 6 Ways to Prepare for Medicare if You’re Working Past 65
- Medicare updates for 2023!
- Medicare Annual Election Period ends 12/7 and NJ State Assistance thresholds have updated for 2023!
- Medicare Advantage Versus Medicare Supplement – What’s the difference?
- Shingles vaccines are $0 in 2023 thanks to the Inflation Reduction Act!
- Medicare Premium is Going Down in 2023! Medicare Annual Enrollment Period is here!
- Protecting Yourself Against Medicare Scams
- Medicare changes when moving to or from New Jersey
- Medicare Premium Payment Options
- NJ PAAD and Senior Gold raised their qualifications by $10,000 in 2022!
- The Medicare Advertisements should stop after December 7th!
- Medicare Open Enrollment Period Continues Until December 7th
- 2022 Medicare Open Enrollment Period
- What will you be billed for a hospital stay with Medicare coverage?
- Understanding Medicare and IRMAA - Income Related Monthly Adjustment Amount
- Does Medicare Cover Gym Membership?
- Are you insured when traveling with Medicare?
- Medicare and Dental
- What to Know when you Qualify for Medicare due to Disability in New Jersey
- What to Know About Medicare and COBRA
- What to Know About Visiting a New Jersey Social Security / Medicare Office
- Options for New Jersey Prescription Help
- How Important is the Medicare Star Rating?
- Medicare Assignment
- Why Should You Engage with a Medicare Broker?
- President Biden’s Medicare Plan
- A Guide to Medicare HMO and PPO Options
- Medicare Part D Senior Savings Model: An Overview
- Do You Need Help with Medicare.gov?
- Medicare and Acupuncture
- Medicare vs Medicaid: What's the Difference?
- What to Do When Helping Parents with Medicare
- Understanding the Medicare Plans in NJ
- Medicare and Coronavirus
- Delaying Medicare Part B
- Finding Medicare Assistance
- How Do I Sign Up for Medicare Part B in New Jersey?
- Medicare Help—Making Medicare Easy
- PAAD: New Jersey's Prescription Assistance Program
- Medicare Insurance Agents and Brokers
- Finding Your NJ Medicare Broker
- Medicare Part D Eligibility
- Medicare Advantage (Part C)
- New Jersey's Dual-Eligible Special Needs Plans - The Facts
- Medicare Eligibilty Age
- Medicare through Social Security Disability in New Jersey - You Don't Just Age into the System
- New Jersey Senior Gold Assistance Program- What You Need to Know
- Assistance Programs in New Jersey for Medicare Eligibles
- Top 7 Medicare Mistakes
- Utilizing Your New Jersey Medicare Insurance Agent
- Medicare and High Income: Does Income Change the Cost of Medicare?
- Changing Medigap Plans
- Why Am I Getting A Bill For a Medicare Physical Exam
- How Medicare Brokers Can Help
- Republican Plans for Medicare in 2020
- What You Need to Know About Medicare in New Jersey
- NJ PAAD Application Help
- What Really Is Medicare for All?