Help Paying for Medicare in Irvington, NJ

Federal and New Jersey programs for premiums, copays and prescriptions

This is a private website. By requesting information, you will be contacted by a licensed insurance agent. We are not a government agency.

Programs That Can Cut Your Medicare Bills

Between the Part B premium, copays and prescriptions, Medicare costs add up fast on a fixed income. Many people who qualify for help never apply, either because they assume they earn too much or because the forms look intimidating.

New Jersey offers more assistance than many states, and several programs work together. Below is an overview. Income and resource limits change every year, so we always check the current figures with you before you apply.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Extra Help With Drug Costs

Extra Help, sometimes called the Low-Income Subsidy, is a federal program run with Social Security. It lowers Part D premiums, deductibles and copays, and it lets you change drug plans more often than usual.

You can apply online with Social Security or on paper. People who already receive Medicaid, a Medicare Savings Program or SSI usually qualify automatically.

Medicare Savings Programs

These programs, administered in New Jersey through NJ FamilyCare and county social services, take over some Medicare charges for households with modest income and savings.

QMB: covers both premiums plus the deductibles and coinsurance
SLMB: pays the Part B premium
QI: pays the Part B premium, with funding available on a first-come basis

With the 2026 Part B premium at $202.90 a month, having it paid saves a household over $2,400 annually.

State Drug Programs: PAAD and Senior Gold

The Pharmaceutical Assistance to the Aged and Disabled program, known as PAAD, assists eligible New Jersey residents 65 and older, or disabled residents 18 and older, pay for prescriptions with low copays. It works alongside a Part D plan.

Senior Gold serves residents with somewhat higher incomes than PAAD allows, lowering drug costs in a different way. Both programs are run by the state Department of Human Services, and a single application covers several state benefits.

Getting Local Help With Applications

Irvington's Division of Senior Services, based at the Municipal Building on Civic Square, assists residents 60 and older with benefit applications and pre-screens for programs like food assistance and energy help. Essex County's aging services and New Jersey's SHIP counselors can also guide you.

We are glad to explain how each program fits with the plans we offer, and if you might qualify for a D-SNP, we will walk you through that too.

Talk It Over at No Charge

Have your medication list and your doctors' names handy. We set your current coverage beside the options we carry and show what changes in dollars and in access to care. Most calls finish in about half an hour, nobody asks you to commit on the spot, and you can learn about our agency beforehand.

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Irvington Questions About Cost Help

Do I have to be broke to qualify?

No. Several programs reach people with modest incomes and some savings. Check the current limits before ruling yourself out.

Will getting help change my Medicare coverage?

Your Medicare stays the same. Some programs also open extra chances to change plans.

Does PAAD replace Part D?

No. PAAD works together with a Part D plan to lower what you pay at the pharmacy.

Where do I apply?

Extra Help goes through Social Security. Medicare Savings Programs, PAAD and Senior Gold go through the State of New Jersey. We point you to the right form.

All Medicare figures reflect 2026 federal rules. Page reviewed October 30, 2026.