17 Resources
Official New Jersey State Health Insurance Assistance Program operator. Real state agency providing free Medicare counseling. Verified via shiphelp.org. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. Free, confidential, and available to any New Jersey resident who needs the information.
Statewide · Varies · Visit Website
Official US Medicare site. Compare plans, find providers, understand Parts A/B/C/D, and check coverage. Call 1-800-MEDICARE (1-800-633-4227) 24/7. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Most questions can be answered online or by phone; there's no eligibility screening to call. A neutral alternative to insurance brokers — no plan is recommended for commission. Free of charge — no eligibility paperwork required to call or...
Nationwide · Online · Visit Website
Official federal Medicaid information. Eligibility, benefits, and state Medicaid program directory. Built for older adults choosing between Parts A, B, C, and D — especially during the seven-month Initial Enrollment window. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. One of the most-used resources for older adults without family help navigating the system. All services free of charge to qualifying seniors and family caregivers.
Nationwide · Online
Free unbiased Medicare counseling in every state. Find your state's SHIP for one-on-one help. Useful for seniors 65+ enrolling for the first time, weighing Original Medicare against Advantage plans, or trying to lower drug costs. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. Especially valuable for seniors getting pressure from Medicare Advantage sales calls or door-to-door enrollment pitches. All services free of charge to...
Nationwide · Online · Visit Website
National nonprofit helping older adults and people with disabilities navigate Medicare. Free helpline 1-800-333-4114. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. One of the most-used resources for older adults without family help navigating the system. All services free of charge to qualifying seniors...
Nationwide · Online · Visit Website
Legal advocacy for Medicare rights, especially appeals and complex coverage issues. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. Many users come away with a $40–200/month reduction in Part D drug costs they didn't know they qualified for. Open at no cost to New Jersey seniors and the families supporting...
Nationwide · Online · Visit Website
Plain-language guide to Medicare from the Medicare Rights Center. Free questions answered. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. Free of charge — no eligibility paperwork required to call or browse.
Nationwide · Online · Visit Website
Empowers seniors to detect, prevent, and report Medicare fraud. Free help in every state. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Most questions can be answered online or by phone; there's no eligibility screening to call. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. No cost to older adults or the people helping them.
Nationwide · Online · Visit Website
Social Security program helping pay Medicare prescription drug costs for limited income. Helpful for retirees, family caregivers, and adults under 65 with disability who qualify after 24 months on SSDI. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. Especially valuable for seniors getting pressure from Medicare Advantage sales calls or door-to-door enrollment pitches. Open at no cost to New Jersey seniors and the families...
Nationwide · Online · Visit Website
State Medicaid programs that help pay Medicare premiums, deductibles, and coinsurance for those with limited income. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A neutral alternative to insurance brokers — no plan is recommended for commission. Open at no cost to New Jersey seniors and the families...
Nationwide · Online · Visit Website
Compare Medicare Advantage and Part D drug plans by your prescriptions and pharmacies. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. Especially valuable for seniors getting pressure from Medicare Advantage sales calls or door-to-door enrollment pitches. Free service; donations support but never gate access.
Nationwide · Online · Visit Website
Federal Health Insurance Marketplace — for those not yet 65 or covering family members. Built for older adults choosing between Parts A, B, C, and D — especially during the seven-month Initial Enrollment window. Counselors walk through specific plans by name, compare drug costs side by side, and flag Medicare Savings Program eligibility. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. No cost to older adults or the people helping them.
Nationwide · Online · Visit Website
CMS — federal agency that runs Medicare, Medicaid, and CHIP. Policy and updates. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Drop-in help is available at most local offices; bringing the Medicare card and a list of prescriptions makes the visit faster. One of the most-used resources for older adults without family help navigating the system. No cost to older adults or the people helping them.
Nationwide · Online · Visit Website
NCOA's senior-focused Medicare planning hub with checklists and webinars. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Online tools cover plan comparison; phone is faster for situational questions like spouse coverage or COBRA timing. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. Free service; donations support but never gate access.
Nationwide · Online · Visit Website
State Health Insurance Assistance Program for New Jersey. Free unbiased one-on-one Medicare counseling. Find your local SHIP via shiphelp.org. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. Open at no cost to New Jersey seniors and the families supporting them.
Statewide · Varies · Visit Website
Official New Jersey Medicaid program. Eligibility, applications, and benefits information. Worth a call for anyone navigating Annual Enrollment, dual eligibility with Medicaid, or appealing a coverage denial. Expect a 10–25 minute conversation depending on how detailed the situation is; bring a current med list to speed things up. A first-stop for anyone confused by Medicare's Initial, Special, or General Enrollment Periods. All services free of charge to qualifying seniors and family caregivers.
Statewide · Varies
New Jersey SMP — helps seniors detect and report Medicare fraud and errors. Most relevant for low-income seniors who may qualify for Extra Help, QMB, SLMB, or QI without realizing it. Most questions can be answered online or by phone; there's no eligibility screening to call. One of the most-used resources for older adults without family help navigating the system. Free, confidential, and available to any New Jersey resident who needs the information.
Statewide · Varies · Visit Website