Help Paying for Medicare in Trenton, NJ

State and federal programs that can cut premiums, copays and drug costs

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 Lower What You Pay

Living on a pension or Social Security check makes every Medicare bill feel bigger. The good news is that New Jersey offers some of the more generous assistance programs in the country, and many eligible people never apply.

We help you see which programs you may qualify for and how they work with the plan you choose.

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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.

Ask for a No-Cost Plan CheckTakes about a minute

State Savings Programs for Premiums

These state-run programs use Medicaid funds to cover some Medicare costs for residents below specific income and asset thresholds.

QMB covers premiums for Parts A and B along with most cost sharing
SLMB takes care of the Part B premium
QI also handles the Part B premium while yearly funds last

Having the Part B premium paid puts more than $2,400 back in your pocket over a year. Qualifying for any of these also makes you eligible for Extra Help automatically.

Extra Help With Drug Costs

Run by the federal government, it trims drug plan premiums and pharmacy costs. Applications go through Social Security at no cost, and approval can also open special enrollment chances.

PAAD and Senior Gold

PAAD, the state's drug assistance program for older and disabled residents, helps qualifying people age 65 and up, or those with a disability, so they pay a small fixed copay for covered prescriptions. Senior Gold reaches a slightly higher income bracket than PAAD allows.

Both work alongside Part D, so choosing a plan that coordinates well with them matters. We take that into account in every comparison.

Local Help in Mercer County

Mercer County's Aging and Disability Resource Connection can help with applications for benefits, home care and other services for older adults and caregivers.

A Free Second Opinion on Your Coverage

Jot down your prescriptions and the names of the doctors you see. We line up what you have now against the plans we represent and point out the real differences in cost and in where you can get care. Expect about thirty minutes, with no decision required during the call. You can also read our background before calling.

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What Trenton Neighbors Ask About Saving Money

Will applying affect my Social Security?

No. These programs lower your health care costs and do not reduce your Social Security benefit.

Is approval permanent?

Not usually. Expect renewal paperwork from time to time, and answer it promptly so benefits continue.

Can you fill out the application for me?

We can explain the process and point you to the right office; the state agency makes the decision.

Figures follow the 2026 Medicare rules. Content checked on October 30, 2026.