Help for Medicare Clients

The State Health Insurance Assistance Program (SHIP) provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance.

There are two chief programs to assist senior and disabled residents on Medicare with their prescription drug costs. Each has its own eligibility requirements and copayment structure.

IHC Program

Those who do not qualify for NJ FamilyCare may be able to find health insurance coverage through the state's Individual Health Coverage Program (IHC), which is operated by the state Department of Banking & Insurance. IHC was created to ensure that people without access to employer or government sponsored health care programs could purchase health coverage for themselves and their families from a variety of private carriers.

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Charity Care

The New Jersey Hospital Care Payment Assistance Program (Charity Care) is available to patients for inpatient and outpatient services at all acute care hospitals throughout New Jersey. Medically necessary services may be eligible for patients who meet income and asset criteria.

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NJ FamilyCare

NJ FamilyCare is New Jersey's publicly funded health insurance program. Qualified NJ residents of any age may be eligible for free or low cost health insurance.

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Last Reviewed: 10/24/2016