PAAD & SENIOR GOLD PROGRAMS

Pharmaceutical Assistance to the Aged & Disabled (PAAD)

The Pharmaceutical Assistance to the Aged and Disabled (PAAD) and Senior Gold are state-funded programs that help eligible seniors and individuals with disabilities save money on their prescription drug costs.

PAAD & SENIOR GOLD PROGRAMS

You may be eligible for PAAD if you meet the following requirements:

  • You are a New Jersey resident;
  • You are age 65 or older or between ages 18 and 64 and receiving Social Security Title II Disability benefits; and
  • Your income for 2022 is less than $38,769 if single or less than $45,270 if married.
  • Medicare-eligible PAAD beneficiaries are also required to enroll in a Medicare Part D Prescription Drug Plan. PAAD will pay the monthly premium for certain standard basic Part D plans with a monthly premium at or below the regional benchmark. These plans will cover medically necessary prescription medications under Medicare Part D. If a beneficiary self-enrolls in an enhanced plan at or below the regional benchmark premium amount, PAAD will pay the premium as long as the plan agrees to follow all the billing requirements.
  • The federal Medicare Plan and/or PAAD will pay any costs above the PAAD copayment of $5 for each covered generic drug or $7 for each covered brand name drug, including premiums. However, if a Medicare Part D plan does not pay for a medication because the drug is not on its formulary, PAAD beneficiaries will have to switch to a drug on their Part D plan’s formulary, or their doctor will have to request an exception due to medical necessity directly to their Part D plan. Medicare Advantage participants must add a prescription benefit to their coverage, and PAAD will contribute up to the regional benchmark amount towards the prescription portion of their total premium.

    For more information call toll free 1-800-792-9745.

    Click here to learn more about how PAAD interacts with Medicare Part D

Understanding the Senior Gold Program

The Senior Gold Prescription Discount Program (Senior Gold) is a state-funded prescription program with a different co-payment structure and income eligibility guidelines than those of PAAD.

You may be eligible for Senior Gold if you meet the following requirements:

  • You are a New Jersey resident;
  • You are age 65 or older or between ages 18 and 64 and receiving Social Security Disability benefits;
  • Your annual income for 2022 is between $38,769 and $48,769 if you are single or between $45,270 and $55,270 if you are married.
  • In addition: All Medicare-eligible Senior Gold beneficiaries are also required to enroll in a Medicare Part D Prescription Drug Plan of their choice. They will be responsible for paying the monthly premium directly to the Medicare Part D plan. They also will be responsible for paying any late enrollment penalty imposed by Medicare for each month they were eligible to enroll in Medicare Part D but did not enroll.

For more program information, click here or call our toll free Hotline at 1-800-792-9745.

Click here to find out more about Senior Gold’s interaction with the Medicare prescription drug benefit program.