Prescription Drug Coverage in NJ

Prescription drug benefits have gotten quite a lot of coverage over the past few years. Many people have complained about the "doughnut hole" that the Medicare drug program has in which those enrolled in the program are responsible for their drug costs. The doughnut hole as it is referred to is a void in coverage at $2250 up to about $5000.

Under Medicare Part D (drug benefit) which began in January 2006 the patient does get a discounted price for medications, however for some on a fixed income this may not be enough. Luckily NJ has a program called PAAD (Pharmaceutical Assistance for the Aged and Disabled). PAAD works in conjunction with Medicare to cover prescription costs and keep co-pays at or around $5. It's a big help if your loved one has expensive medications. As of January 1, 2006, all PAAD participants who have Medicare must enroll in a Medicare prescription drug plan. In effect you will use your PAAD in conjunction with Medicare Part D.

In addition to providing assistance with prescriptions the program is also a gateway to other programs offered by the state. You will automatically receive a LIFELINE application if you are enrolled in PAAD. LIFELINE is a utility assistance program that offers a yearly benefit of $225 to persons age 65 years and older, and to certain disabled persons who are receiving Social Security disability payments.

I strongly urge you to look into any of these programs to determine your eligibility. It could make a big difference.