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Medical assistance for uninsured and free health insurance New Jersey.

Find New Jersey programs that help uninsured families and patients with limited health insurance. There are government and non-profits that provide medical assistance or free health insurance. The state will do what they can to provide some form of free or low cost coverage or health care to the low-income, elderly and kids. Locate free health insurance in NJ.

Tens of thousands of families either do not have insurance or maybe their policy is limited in coverage - meaning people are under-insured. The New Jersey medical and health care programs will provide them with help including free eye exams, medications, OB/GYN services, insulin and more. Kids, senior citizens and single moms are the main beneficiaries or the medical care, including health insurance policies such as CHIP, Medicaid, or Medicare in NJ,

Uninsured or underinusred families in New Jersey tend to be the primary beneficiaries of these free, state sponsored health insurance programs such as Medicaid. The main government and non-profit resources in NJ are below. There is even free medical equipment, such as walkers for seniors or wheelchairs, and locate free medical equipment for seniors.

Free medical, dental and health insurance programs in NJ

Pharmaceutical Services for Adults with Cystic Fibrosis and Adult Cystic Fibrosis Assistance is when the state of New Jersey will provide direct financial assistance for patients with cystic fibrosis. Resources offered are wide ranging and can help with prescription drugs, medical equipment or supplies, nutritional supplements, and other co-payments that are due for bills. Dial 973-595-1232 800-367-6543.

HIV Care and Support Services in New Jersey (ADDP - AIDS Drug Distribution Program) will offer free prescriptions for low-income and uninsured people. the insurance program is part of the Ryan White Care Act, Part B. The applicant’s income needs to be less than 500% of the federal government poverty level and they also need to have a proof of their condition from a doctor that has certified their need for the covered medications. Telephone number is 800-624-2377.

  • New Jersey Health Insurance Continuation Program (HICP) is focused on HIV/AIDS patients. It can provide financial assistance to allow patients to keep their health insurance. Most people who benefit can no longer work or they only can work part time. HICP pays your monthly premiums for health insurance including any family insurance costs for spouse and/or children. Dial 800-353-3232




Catastrophic Illness in Children Relief Fund, or CICRF, can provide reimbursement for medical and hospital bills that may be incurred due to child's acute or chronic illness. It will only help “children” who were under the age of 21 when the expense was incurred and it will only help for an expense that is not covered by government or private insurance. Some of what may be paid for includes specialized pediatric ambulatory care, hospital care, addictions/mental health services, pharmaceuticals, medically related home modifications, medical transportation, and some other costs. Call 800-335-3863 for an application.

New Jersey has a number of charity care insurance programs. This is a statewide payment assistance service that is offered by most hospitals, in particular non-profit facilities. It will ensure that those who are eligible can receive free or reduced charge health care or even dental services. Any applicants need to meet income levels and they can’t have existing health insurance coverage or they may be under insured. Patients also can’t be qualified for any private or governmental sponsored coverage, such as Medicare or Medicaid. Call 866-588-5696 for information or read more on health care for the uninsured.

The NJ End Stage Renal Disease Patient Assistance Program will coordinate financial reimbursement for supplements that may be needed for people receiving renal analysis. It can also pay for any needed medications and supplements for people with ESRD. Care must be obtained at Medicare approved dialysis facilities. Call 800-367-6543 or 800-328-3838.

Equipment Distribution is a resource for the deaf, blind, and/or people that are hard of hearing. Free assistive devices may be distributed by non-profits and other government sponsored agencies. Recipients can receive text telephones (TTY), smoke detectors, Amplified and Voice Carry Over (VCO) and Hearing Carry Over telephones. There will also be free cell phone, Apple iPhone and other devices for the uninsured that need medical equipment. Or get carbon monoxide detectors, baby cry alert systems, and more. Usually beneficiaries can receive equipment at most once every 5 years. Call 800-792-8339

Most counties in New Jersey run what is called a Respite Care Program. This is when a local government, working with the state and agency on aging centers, provides financial assistance that is to be used to pay for the respite care to families with a household member having disabilities. Or there is financial help, medical services and support for people who care for a senior citizen or elderly parent. Aid is also offered if you have an elderly household member. The beneficiary may need to pay for a share of the costs as well. Call 877-222-3737.





Cancer Education and Early Detection (NJCEED) is screening and testing for breast and/or cervical cancer. Receive free clinical breast exams, Pap tests; mammograms, and more. All resources are provided per American Cancer Society guidelines and regulations. Call 800-328-3838, or learn where to get a free cancer screening.

New Jersey FamilyCare is public health care and insurance coverage for low-income and uninsured families with kids. Coverage is also provided for newborns or teens as well. Receive financial help in paying for doctor visits, regular checkups, eyeglasses, hospitalization, x-rays, prescription medications, mental health, and other dental services. Main phone number is 800-701-0710.

Medicaid is the primary federal and state of NJ medical insurance as well as financial assistance program. It is health insurance for low income families with dependent children, the elderly, blind or disabled, as well as pregnant women. In addition to meeting income levels, applicants need to include a child younger than 19, be age 65 or older, and also are disabled.

The federal government and state can coordinate health insurance for those denied coverage due to pre-existing conditions as well. An extensive amount of assistance is offered, including primary and specialty care, prescription drugs, and hospital care. Those who enroll will need to pay some deductibles, out of pocket limits, and premiums Call 800-356-1561.

  • FamilyCare Advantage this is similar to above. It is government sponsored health insurance for uninsured families who do not have any form of insurance and who also have a household member under the age of 19. The free government insurance program is part of Medicaid. It is only offered if you don’t qualify for NJ FamilyCare (above). Enrollees may also need to contribute a reasonable premium based on family size and income. Call 800-637-2997, or learn more on CHIP insurance.

The New Jersey Department of Human Services, DDS has free insurance, medical care and support for disabled people. Another option is WorkAbility, which is full Medicaid health insurance coverage to individuals with disabilities who are currently employed and whose income would otherwise make them ineligible for standard Medicaid. You need to be working in order to apply. Call 888-285-3036 for details.

Medicare Savings Programs (MSP) in New Jersey helps seniors or disabled adults. The state of NJ, non-profits, and the federal government help people pay for Medicare part A, B, C, or D premiums and deductibles. There is grant money, rebates and other financial support offered. Call 800-792-8820.

Personal Preference Program, or PPP, will allow disabled and elderly adult Medicaid recipients to manage their daily non-emergency, health related tasks. Individuals will receive a monthly cash allowance from the state. They will be able to work with a consultant to develop a Cash Management Plan to determine the exact services they need and to figure out how they will pay for them. Funds can be used to pay for their daily needs and expenses, including light housekeeping, bathing, dressing, and meal prep. Call 609-631-2481.

New Jersey PACE, or Program of All-Inclusive Care for Elderly, helps seniors, the elderly, and caregivers. The state, using Medicaid and local funds, provides financial help to ensure older people over the age of 55 (or older) can continue to live in their home vs. a nursing facility. Get free out or inpatient care, medical assistance, respite services, free medical equipment and government insurance for caregivers among other programs. Dial 800-792-8820.





Pharmaceutical Assistance to the Aged and Disabled is free government insurance in New Jersey to help uninsured or low income families pay for prescribed drugs, insulin, and supplies. While terms and funding can change, in general it will help by setting co-payment of $7 for each brand name drug as well as $5 for each covered generic drug. Also keep in mind that beneficiaries may even pay less than $5 for generic drugs if their Medicare plan charges them less than the levels set by New Jersey. Phone 800-792-9745

Senior Gold Prescription Discount is a program that focuses just on senior citizens and disabled adults. Financial assistance may be provided for prescriptions in the form money to pay a copay plus 50% of remaining cost. There are some caps in place. For those senior citizens on Medicare, the Senior Gold program can reduce out-of-pocket expenses. Call 800-792-9745.

Traumatic Brain Injury Fund, or TBI, will contribute to services for individuals who have survived a brain injury. Funding can change from year to year, but some individuals may be eligible for up to $15,000 per year. Lifetime caps will be put into place as well so this is not unending charity care. The money can be used to pay for cognitive therapy, home modifications, service coordination, assistive technology, neuropsychological services, physical, occupational, pharmaceuticals, and speech therapies. Call 888-285-3036

Vaccines for the uninsured in New Jersey will be offered for children from uninsured families as part of (VFC). Low cost medications and vaccinations are distributed from local non-profit clinics and government qualified health care centers. Even some common ailments may be covered, such as influenza, mumps, and measles. Call 609-826-4860 or dial 609-826-4862.


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