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The Healthy Aging Program at Atlantic Health System suggests the following helpful resources to help seniors find information on Medicare, Medicaid and long-term care insurance.
Medicare is a joint federal-state funded government health insurance program for people age 65 or older, as well as many people living with disabilities. It consists of the following parts:
Medicare Advantage Plans
A Medicare Advantage Plan (like an HMO or PPO), sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. These plans provide Part A and Part B coverage, may include prescription coverage (Part D) and offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services, like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan.
For general information about Medicare and up-to-date information regarding the health plans available in your area, call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week.
Medicaid provides health insurance to people who are aged, blind or disabled who meet specific standards for financial income and resources. It pays for hospital services, doctor visits, prescriptions, nursing home care and other health care needs.
To apply for Medicaid, contact your local county Board of Social Services office:
Essex County Department of Citizen Services, Division of Welfare
Morris County Office of Temporary Assistance
Passaic County Board of Social Services
Somerset County Board of Social Services
Sussex County Division of Social Services
Union County Division of Social Services
Warren County Division of Temporary Assistance and Social Services
Long-term care insurance is a policy you pay for that will provide some coverage for extended health care in assisted living facilities and nursing homes. Medicare and most Medigap insurance policies do not pay for extended health care in facilities such as assisted living or skilled nursing facilities/ nursing homes. Some people purchase long-term care insurance to help supplement the cost of their care. Premiums range in monthly cost and the range of coverage can depend on the level of care the policyholder chooses.
State Health Insurance Program (SHIP)
FamilyWize Prescription Discount Card
A resource of the United Way of Northern NJ, FamilyWize provides a free discount card.
MedReturn Drug Collection
MedReturn Drug Collection units are available statewide to assist with the proper disposal of unwanted or expired household and prescription medications. Many bins are located at local police departments. Visit website or contact local police department for a location near you.
The Partnership for Prescription Assistance
Pharmaceutical Assistance to the Aged and Disabled (PAAD) and Senior Gold Resource Center
PAAD provides assistance with the payment of prescriptions to people 65 years of age or older or disabled individuals who meet income guidelines; Senior Gold assists those whose income exceeds PAAD limits.
Senior Medicare Patrol of New Jersey
Senior Medicare Patrol provides consumer counseling and advocacy to resolve billing errors and disputes or make referrals to law enforcement for suspected cases of Medicare fraud, waste or abuse. This federally funded statewide program is coordinated by Jewish Family and Vocational Service of Middlesex County.
Milltown, NJ 08850
State Health Insurance Program (SHIP)
U.S. Department of Health & Human Services – Affordable Care Act information
Federal agency provides health information and essential human services. Website provides current information about the Affordable Care Act (ACA).