You’ve paid into the system. Now it’s time to let it work for you. If you’re living in New Jersey and feeling overwhelmed by Medicare costs—this guide was built for you.

Inside, you’ll find a step-by-step roadmap to state and federal programs that can dramatically lower your out-of-pocket expenses. From PAAD and Senior Gold to QMB, MLTSS, and LIS—this book walks you through who qualifies, what benefits are available, and how to apply without getting lost in the paperwork.

Written by a licensed Medicare broker who’s helped thousands of NJ residents, this isn’t just another government pamphlet. It’s a plain-English survival guide that finally makes these programs make sense—especially for seniors, caregivers, and those living on a fixed income.

You'll learn:

• How to apply for up to 7 programs using one application (NJ Save)
• What to do if you’ve been denied before
• How to spot the difference between PAAD, LIS, and giveback plans
• The truth about income and asset limits—with real 2025 numbers
• What to do if you don’t qualify—and where to find help anyway
• Includes real client examples and a glossary.

Whether you’re applying for the first time or helping a parent figure it out, this guide is your starting point. Because no one should have to choose between their prescriptions and their groceries.