NJ Medicare Savings Programs

Medicare Savings Programs are federally funded programs managed by each state. These programs help people with limited income and assets pay for some (or all) of their Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) premiums, deductibles, copayments, and coinsurance. Older adults and individuals with disabilities who are New Jersey residents who may not be eligible for full Medicaid may still have the option to enroll in a Medicare Savings Program.

Qualified Medicare Beneficiary (QMB)

  • Program helps pay for Part A premiums, Part B premiums, and deductibles, coinsurance, and copayments for services and items Medicare covers.
  • Must not exceed income or asset eligibility limits. For 2025, income and asset limits are as follows:
    • Income: $15,660 for single individuals and $21,156 for married couples
    • Assets: $9,660 for single individuals and $14,470 for married couples

Specified Low-Income Medicare Beneficiary (SLMB)

  • Program pays Medicare Part B premiums.
  • Must not exceed income or asset eligibility limits. For 2025, income and asset limits are as follows:
    • Income: $18,780 for single individuals and $25,380 for married couples
    • Assets: $9,660 for single individuals and $14,470 for married couples

Qualifying Individual (QI)

  • Program pays Medicare Part B premiums
  • Must not exceed income or asset eligibility limits. For 2025, income and asset limits are as follows:
    • Income: $21,132 for single individuals and $28,560 for married couples
    • Assets: $9,660 for singles and $14,470 for married couples

You can apply for QMB, SLMB, or QI through our NJSave online or paper application.

You may also call our toll free Hotline at 1-800-792-9745.