Help Paying for Medicare in Camden, NJ
State and federal programs that trim premiums, copays and pharmacy costs
Click to CallThis is a private website. By requesting information, you will be contacted by a licensed insurance agent. We are not a government agency.
Assistance That Can Lower Your Bills
Medicare costs come out of the same Social Security check that covers rent, groceries and utilities. New Jersey runs some of the stronger assistance programs in the country, yet plenty of people who qualify never fill out the form.
We look at your situation, explain which programs may fit and show how each one works together with the coverage you pick.
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.
Medicare Savings Programs
These programs are run through the state with Medicaid funding and help people under certain income and resource limits with Medicare costs.
- QMB pays Part A and B premiums and most deductibles and coinsurance
- SLMB pays the Part B premium
- QI also pays the Part B premium, while funding for the year allows
Having the state cover your Part B premium alone is worth more than $2,400 over a year at the 2026 rate. Qualifying also makes you eligible for Extra Help with no separate application.
Extra Help for Prescriptions
This federal program lowers drug plan premiums, deductibles and copays. You apply through Social Security for free, and being approved can open chances to change plans during the year.
PAAD and Senior Gold
PAAD is New Jersey's Pharmaceutical Assistance to the Aged and Disabled. It helps residents 65 and older, and people with disabilities, pay a small set copay for covered medicines. Senior Gold serves people whose income is somewhat above the PAAD limit.
Both coordinate with Part D, so the plan you choose should work smoothly with them. We weigh that every time we compare drug plans.
Camden County Support
Camden County's Division of Aging and Disability Services helps older adults and caregivers find benefits, meals, transportation and in-home help. You will find the county link in the resource list below.
Get a Free Look at Your Options
Bring your medicine list and the names of your doctors. We hold what you have today up against the plans we carry and show you where the cost and access really differ. Plan on about half an hour, and take as long as you like to decide afterward. Curious who we are? Read about us.
Click to CallCamden Questions About Saving Money
Does applying reduce my Social Security?
No. These programs lower health costs and do not touch your Social Security benefit.
Once approved, am I set for good?
Usually not. Most programs send renewal forms, and answering them on time keeps the help coming.
Can you apply for me?
We explain the steps and point you to the right office. The state or Social Security makes the decision.
Based on 2026 Medicare rules; reviewed October 30, 2026.
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