State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in New Jersey. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Medicare Savings Programs in New Jersey
New Jersey's Division of Aging Services runs the state's Medicare Savings Programs, which may pay your Medicare Part B premium, and with QMB also your Part A premium, deductibles, coinsurance and copays.
New Jersey uses the federal income and savings limits and publishes its income limits as yearly amounts. You apply through NJSave, one application online or on paper that also checks you for PAAD, Senior Gold, Lifeline and Extra Help.
How to apply in New Jersey
- Online
- nj-dhsas.my.site.com
- By phone
- 1-800-792-9745
- In person
- For help filling out the application, contact your county Area Agency on Aging or a State Health Insurance Assistance Program (SHIP) counselor.
- By mail
- A paper NJSave application can be printed from the Division of Aging Services website.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in New Jersey
| 2026 figures | One person | Married couple |
|---|---|---|
| QMB income limit | $15,960 a year (after the first $20 a month of income is set aside) | $21,640 a year (after the first $20 a month of income is set aside) |
| SLMB income limit | $19,152 a year (after the first $20 a month of income is set aside) | $25,968 a year (after the first $20 a month of income is set aside) |
| QI income limit | $21,546 a year (after the first $20 a month of income is set aside) | $29,214 a year (after the first $20 a month of income is set aside) |
| Savings limit | $9,950 | $14,910 |
Source: New Jersey Department of Human Services, Division of Aging Services (source 1)
What you may get
| What QMB pays | Your Part A and Part B premiums, plus deductibles, coinsurance and copays for services Medicare covers |
|---|---|
| What SLMB pays | Your Part B premium |
| What QI pays | Your Part B premium |
Source: New Jersey Department of Human Services, Division of Aging Services (source 1)
Good to know
- New Jersey states its income limits per year, after the first $20 a month of income is set aside. The QMB figure of $15,960 a year lines up with the federal $1,350 a month.
- The same NJSave application also checks whether you qualify for PAAD, Senior Gold, Lifeline Utility Assistance and Medicare's Extra Help.
Source: New Jersey Department of Human Services, Division of Aging Services (source 1)
Free help
Free help with this in New Jersey
Division of Aging Services (DoAS)
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in New Jersey
Medicare Savings Programs in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- New Jersey Department of Human Services, Division of Aging Services, NJ Medicare Savings Programs (official government site). Checked Oct 28, 2026.
- New Jersey Department of Human Services, Division of Aging Services, NJSave Programs (official government site). Checked Oct 28, 2026.
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