How to apply for Senior Gold Prescription Discount Program in New Jersey

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): $54,943-$64,943 single / $62,390-$72,390 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.

Step by step

1. Confirm you meet the basic requirements: you must be a New Jersey resident age 65 or older (or disabled and Social Security-disability eligible), and your income must fall within the Senior Gold range — $54,943–$64,943 for single applicants or $62,390–$72,390 for married applicants (2026 limits). There is NO asset test.
2. Gather your required documents: proof of age 65+ or Social Security disability status; proof of New Jersey residency; proof of all household income (note: Medicare Part B premiums are excluded from the income calculation); and proof of Medicare Part D enrollment.
3. Choose how to apply. You can apply online through NJSave — the same combined application covers Senior Gold, PAAD, Lifeline, Hearing Aid, and SCDB programs — or you can apply by phone by calling 1-800-792-9745.
4. Complete the NJSave application online or work through the application with a representative over the phone at 1-800-792-9745. Answer all questions about your income, residency, age or disability status, and Medicare coverage.
5. Submit your application along with all required documents. Keep copies of everything you send in for your records.
6. Watch for a decision notice from the New Jersey Department of Human Services, Division of Aging Services. Processing times vary — contact the agency at 1-800-792-9745 for an estimate if needed.

What to expect: After submitting, the New Jersey Department of Human Services, Division of Aging Services will review your application. If approved, Senior Gold will pay 50% of prescription costs above a $15 copay per prescription. Once your out-of-pocket costs reach $2,000 (single) or $3,000 (married) in a benefit year, the program pays in full for the rest of that year. Enrollment must be renewed annually, so watch for a renewal notice each year and respond promptly to avoid any gap in coverage. If you have questions at any point, call 1-800-792-9745.

Renewals

annual