How to apply for Senior Gold Prescription Discount Program

Who it's for

Senior Gold is New Jersey's state-only middle-income senior prescription drug program for residents age 65+ (or disabled and Social Security-disability eligible) whose income exceeds PAAD's limit but falls within $10,000 above. Income limits (2026): $52,142-$62,142 single / $59,209-$69,209 married. Senior Gold pays 50% of the cost above a $15 copay per prescription, with an annual $2,000 (single) / $3,000 (married) out-of-pocket maximum after which the program pays in full. NO ASSET TEST. Apply via NJSave (same combined application as PAAD) at nj.gov/njsave or call 1-800-792-9745. Compare PA: PA's PACENET is the equivalent middle-income tier.

What you'll need

• Proof of age 65+ (or Social Security disability)
• Proof of New Jersey residency
• Proof of all household income (Medicare Part B premiums excluded)
• Medicare Part D enrollment proof

Where to apply

What to say when you call

“Hello, I'm calling to ask about Senior Gold Prescription Discount Program. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of age 65+ (or social security disability), proof of new jersey residency, proof of all household income (medicare part b premiums excluded) — is anything else required? What is the best next step?”

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

annual