Top 5 Things to Know About PAAD in New Jersey

If you’re Medicare eligible or someone with a disability living in New Jersey, you may have heard about the Pharmaceutical Assistance to the Aged and Disabled program– better known as PAAD. It’s a game-changer for those who qualify, helping with the cost of prescription drugs and more. Here are the top 5 things you need to know about PAAD and how it works with your healthcare plan.

1. PAAD Saves You Money on Prescriptions and More

PAAD lowers the cost of prescription drugs, making it easier for you to afford the medications you need. In 2025, with PAAD, you’ll pay just $5 for each PAAD-covered generic drug prescription and $7 for each PAAD-covered brand-name drug prescription. 

You could pay $0 for generic drugs if you have a Part D Prescription Drug Plan or a Medicare Advantage plan with a drug plan included that has a lower copay.

PAAD could even pay your Medicare plan’s Part D monthly premium!

PAAD provides prescription savings and may also connect eligible individuals to additional benefits like Lifeline Utility Assistance, which helps with heating and utility costs. Depending on income, individuals may qualify for either PAAD or Senior Gold. Senior Gold offers prescription cost reductions for those with slightly higher incomes than PAAD, with a different co-payment structure.

2. It’s Available to Many New Jersey Residents

To qualify for PAAD you must:

• Be a resident of New Jersey
• Be 65 years or older, or between 18-64 and receiving Social Security Title II Disability benefit
• Not eligible for Medicaid
• Meet the 2025 income limit:
  • $53,446 for single applicants
  • $60,690 for married couple
• Be enrolled in a Medicare Part D Prescription Drug Plan or a Medicare Advantage plan that includes Part D prescription drug coverage

Even if you haven’t qualified before, it’s worth checking again because the income limits have changed for 2025.

3. Applying Is Simple

PAAD is designed to help, not complicate your life. The application process is straightforward, and help is available every step of the way. You can apply for PAAD free online at www.aging.nj.gov or call 1-800-792-9745.

4. PAAD Works With Medicare Plans

If you have Medicare, the good news is that PAAD works alongside your plan. It can help cover prescription drug costs that might otherwise be out of reach. If you have a Medicare Advantage plan, like Clover Health, you’ll love how seamlessly it integrates with PAAD. Together, they help you get more value and support.

For example, PAAD will pay for prescribed legend drugs, insulin and insulin supplies, and needles and syringes for injectable medicines used to treat multiple sclerosis.  Many Medicare Advantage plans, like those from Clover Health, include diabetic testing supplies in their plans. 

5. Better Together

A Clover Health Medicare Advantage Plan works side by side with PAAD. It’s a great option for those who are looking for more coverage and savings. At Clover, we believe that you should have access to quality healthcare at an affordable price. Our Medicare Advantage plans with prescription drug coverage give New Jersey residents some of the best benefits in the area. 

Take the 2025 Clover Health Choice Value (PPO) (007) plan, for instance. With PAAD, It has a $0 monthly plan premium and includes extras such as dental, vision, hearing, an OTC allowance, gym memberships, and so much more. With $3,780 benefit allowances and rewards per year, it’s easy to see why so many people pick Clover for their Medicare Advantage plan.

Clover Health does not determine eligibility for PAAD. PAAD eligibility is determined by the state of New Jersey. Premium, deductible and covered prescriptions cost reductions apply as long as PAAD eligibility is maintained.

Help Is Here When You Need It 

If you’re struggling to pay for prescriptions, don’t wait– PAAD could be the answer. And when you combine PAAD with one of our Clover Medicare Advantage plans, you’ll get even more help and savings.

Want to learn more? If you would like to learn more about PAAD, call 1-800-792-9745 or visit www.aging.nj.gov.

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Clover Health is a Preferred Provider Organization (PPO) and a Health Maintenance Organization (HMO) with a Medicare contract. Enrollment in Clover Health depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

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