01 / YOUR CARE
Your doctors & hospitals
Check whether your preferred doctors, specialists, and hospitals participate in a plan. Ask about referrals and care outside the network.
A little clarity goes a long wayUnderstand your benefits.
Understand your benefits.
Feel good about
your next step.
Health coverage can feel complicated. We help New Jersey seniors explore their options, ask the right questions, and understand what a plan may offer.
Let’s talk about your options30-minute appointments · Monday–Saturday
Your questions are a good place to start.One conversation. Clear explanations. Your choice.
Guidance in plain languageFocused on your prioritiesSupport from a real person
Start with what matters to youA good fit is about more
A good fit is about more
than one extra benefit.
Before choosing coverage, look at the whole picture. These four areas are a helpful starting point for a thoughtful conversation.
02 / YOUR PRESCRIPTIONS
Your medications & pharmacy
Compare your specific prescriptions, covered drug lists, pharmacy options, and medication costs. A plan that suits someone else may work differently for you.
03 / YOUR BUDGET
Your total costs
Look beyond the monthly premium. Consider deductibles, copays, coinsurance, and applicable out-of-pocket limits for the care you may need.
04 / EVERYDAY SUPPORT
Your available extra benefits
Some plans include dental, vision, hearing, or other benefits. Ask what is covered, what limits apply, and whether you qualify.
A helpful reminder: An advertised allowance or $0 premium does not mean every service is free. Always review the full plan details.
Two different ways to explore savingsNJ prescription help.
NJ prescription help.
Part B premium reductions.
These are different programs with different rules. Understanding the difference can help you ask better questions.
NEW JERSEY STATE PROGRAM
PAAD: help with prescription costs
Pharmaceutical Assistance to the Aged and Disabled (PAAD) helps eligible New Jersey residents pay for covered prescriptions.
2026 eligibility basics: NJ residency; age 65 or older, or ages 18–64 receiving Social Security Title II disability benefits; and annual income below $54,943 single or $62,390 married.
Covered prescriptions generally have a $5 generic / $7 brand-name copay; some generics may cost less. Medicare-eligible participants must have Part D drug coverage. Additional coverage and eligibility rules apply.
The state determines eligibility. You can apply directly through NJSave without booking an insurance appointment.
Read official PAAD details & apply ↗
State helpline: 1-800-792-9745
A BENEFIT IN SOME HEALTH PLANS
Part B rebates: what they mean
Some Medicare Advantage plans help pay all or part of your Part B premium. This is called a Part B premium reduction, sometimes advertised as a “giveback” or “rebate.”
It reduces the premium you owe; it is not a gift card. The amount and availability depend on the plan and your location. Not every plan offers it.
Compare doctors, prescriptions, copays, and total costs alongside any premium reduction. A giveback alone does not tell you whether a plan is a good fit.
PAAD is state prescription assistance. A Part B premium reduction is a plan benefit. Neither is automatically available to everyone. Information checked October 2026; review current official rules before applying or enrolling.
A simple way forward
We’ll take it one step at a time.
1
Choose a time
Book a 30-minute conversation at a time that works for you. Available Monday through Saturday, 10 AM–6 PM Eastern.
2
Tell us what matters
Bring your questions, your current coverage information, and the names of your doctors and prescriptions.
3
Understand your choices
We’ll explain available options and their tradeoffs in everyday language so you can decide on your next step.
Make your conversation useful
A few things to have handy.
- Your current coverageA plan name or recent summary of benefits.
- Your doctors & prescriptionsInclude medication names, dosages, and your preferred pharmacy.
- Your ZIP code & prioritiesWhat you want to keep, understand, or improve.
- Your questionsThere’s no need to have everything figured out.
Good questions. Clear answers.
Before you book.
Are the same benefits available to everyone?
No. Benefits depend on the specific plan, where you live, eligibility requirements, and the plan year. We can help you understand what may be available and which conditions or limits apply.
Can I keep my doctors?
That depends on the coverage you choose. Provider networks differ, so checking your doctors and hospitals is an important part of reviewing a plan. Network participation should be verified before enrollment.
What does a $0 premium really mean?
It means the plan’s monthly premium is $0. Other costs may still apply, including your Part B premium, deductibles, and costs when you receive care. Review the full cost picture.
Does booking an appointment change my coverage?
No. Scheduling a conversation does not enroll you in a plan or change your current coverage. It gives you time to ask questions and discuss your options.
Can a family member help me compare options?
Yes. You’re welcome to have a family member or another trusted person join your conversation. Let your appointment host know if you would like someone included.
What happens after I schedule?
You’ll receive appointment confirmation and reminders using the contact details you provide. Your confirmation may include a secure Sunfire link to prepare your doctor and medication information before the appointment.
For an independent overview, see the official guide to coverage options.
You don’t have to sort it out alone.
Bring your questions. We’ll help you understand the details and take the next step with confidence.
Choose an appointment timeMonday–Saturday · 10 AM–6 PM Eastern · Sundays closed
Privacy & contact
Your information deserves care.
Booking takes place through our scheduling provider. Contact details you submit are used to arrange your appointment and communicate with you about it. Review the consent information shown on the booking form before submitting.
Please do not send Social Security numbers, insurance identification numbers, or medical records by ordinary email. If preparation is needed, use the secure link provided in your appointment confirmation.
For appointment questions or privacy requests, contact the insurance professional identified in your booking confirmation. You can review the scheduling form and its contact consent before choosing to submit your information.