Medicare Savings Programs & Extra Help in New Jersey
2026 Medicare Savings Program limits in New Jersey
| Program | Pays for | Single / mo | Married / mo |
|---|---|---|---|
| QMB | Part B premium + deductibles & copays | $1,350 | $1,824 |
| SLMB | Part B premium | $1,616 | $2,184 |
| QI | Part B premium | $1,816 | $2,455 |
Asset limit: $9,950 (single) / $14,910 (married). Your home and one car don't count.
New Jersey also runs a State Pharmaceutical Assistance Program (SPAP) that can lower prescription costs further, even if you don't get Extra Help.
Extra Help in New Jersey
Extra Help (the Part D Low-Income Subsidy) lowers prescription costs to a $0 premium and $0 deductible, worth about $5,700 a year. 2026 income limits are about $23,940 (single) / $32,460 (married), with savings under $18,090 / $36,100. Joining any Savings Program above qualifies you for Extra Help automatically.
How to apply in New Jersey
Extra Help: free with Social Security at ssa.gov/extrahelp or 1-800-772-1213. Medicare Savings Programs: through New Jersey's Medicaid office.
Free local help: New Jersey SHIP offers free, unbiased Medicare counseling at 1-800-792-8820 (in-state), or call 1-800-MEDICARE from out of state.
Check your New Jersey eligibility, free
Frequently asked questions
What are the Medicare Savings Program income limits in New Jersey for 2026?
In New Jersey for 2026, QMB is about $1,350/mo (single), SLMB $1,616, and QI $1,816. The asset limit is $9,950 single / $14,910 married.
Does New Jersey have an asset test for Medicare Savings Programs?
Yes, $9,950 single / $14,910 married, not counting your home or one car.
Where can I get free help with Medicare in New Jersey?
New Jersey's SHIP (New Jersey SHIP) gives free, unbiased Medicare counseling at 1-800-792-8820 (in-state), or 1-800-MEDICARE from out of state. You can also apply for the Medicare Savings Programs through New Jersey's Medicaid office, and for Extra Help free through Social Security.
Sources: Medicare.gov, SSA POMS HI 00815.023, CMS (2026). Estimates, verify with SSA and New Jersey Medicaid. MediNav is not the government.