New Jersey Senior Gold Prescription and PAAD Programs

Page Reviewed / Updated - Jan. 2016

Program Description

The state of New Jersey offers two pharmaceutical assistance programs designed to help seniors with the cost of their prescription drugs.  One’s income level determines if they are eligible for the Senior Gold program or the PAAD program.

The Senior Gold Prescription Discount Program, or Senior Gold for short, is a state pharmaceutical assistance program that helps low to middle income NJ seniors with their prescription drugs by paying up to 50% of their out-of-pocket costs.

The New Jersey Pharmaceutical Assistance to the Aged and Disabled Program, or PAAD for short is designed for those seniors with less income than the Senior Gold program. In addition to helping the elderly with the cost of their medications, PAAD provides assistance with co-payments and monthly premiums for Medicare Part D.

Both programs are designed to work collaboratively with a Medicare Part D plan and therefore enrollment in a Part D plan is a requirement. Part D serves as the primary payer and Senior Gold or PAAD as the secondary payer.

 Did You Know?  1 in 5 US seniors have skipped their medications or not filled prescriptions because of the cost of doing so.

 

Eligibility Guidelines

Senior Gold Program Eligibility
To be eligible for Senior Gold in 2016, NJ residents must:

  • Be at least 65 years of age
  • Be enrolled in Medicare Part D (Prescription Drug Coverage)
  • Unmarried / widowed individuals are permitted monthly income between $2214.58 and $3047.92 (annually $26,575 and $36,575).
  • Married couples combined monthly income must be between $2715.17 and $3548.50 (annually $32,582 and $42,582).

 

PAAD Program Eligibility
To be eligible for PAAD in 2016, NJ residents must:

  • Be at least 65 years of age
  • Be enrolled in Medicare Part D (Prescription Drug Coverage)
  • Unmarried / widowed individuals must have monthly income less than $2214.58 (annually $26,575).
  • Married couples combined monthly income must be less than $2715.17 (annually $32,582).
  • NOT be on Medicaid (also called NJ FamilyCare or Managed Long Term Services and Supports (MLTSS))

 

Benefits and Services

Senior Gold
Senior Gold participants receive prescription assistance up to 50% of their out-of-pocket cost minus the $15 co-pay. If a participant’s annual prescription costs exceed $2,000 then Senior Gold will 100% of their cost over that amount. There are no costs to participate.

PAAD
This program pays premiums, deductibles and assists individuals in the Medicare coverage gap. Co-payments $5 for generic drugs and $7 for brand name drugs.   There are no costs to participate.

 

How to Apply / Learn More

Visit the Senior Gold webpage or PAAD webpage or call their toll free number at (800) 792-9745. Alternatively, one can visit their local NJ Area Agency on Aging to learn more.

 New Jersey seniors might eligible for these programs might also be eligible for adult day care, respite care or in-home support.

 

The state of Illinois has two programs designed to provide financial assistance to the elderly to help them purchase their prescription drugs. Rx Basic is for individuals without Medicare insurance and the Rx Plus is designed for those on Medicare.

Rx Plus is known as a Medicare wraparound program which means the benefits wrap around those benefits provided by a Medicare Part D plan. When making a prescription purchase, Medicare Part D is the first payer and then this program contributes towards those costs the Part D plan does not cover.