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Medicaid in New Jersey

Medicaid in New Jersey

The Division of Medical Assistance and Health Services (DMAHS) administer state and federally funded health insurance programs for certain groups of low and moderate income people. New Jersey Medicaid is an entitlement program that provides health insurance for more than 600,000 very low-income parents, children and people who are aged, blind or disabled. It pays for hospital, doctor, prescription drug, nursing home and many other healthcare benefits.

In order to qualify for this benefit program, you must be a resident of the state of New Jersey, a U.S. national, citizen or permanent resident in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income.

The N.J. WorkAbility Program

The N.J. WorkAbility Program offers full New Jersey Medicaid health coverage to people with disabilities who are working, and whose earnings would otherwise make them ineligible for Medicaid.

Eligibility Guidelines:

  • Be between the ages of 16 and 64.
  • Work part time, full time or be self-employed and have proof of employment.
  • Have a permanent disability determined by the Social Security Administration (SSA), or the Disability Review Team at the Division of Medical Assistance & Health Services (DMAHS).
  • Have an earned income no more than $58,236 per year for eligible individuals, or no more than $78,348 per year for eligible couples (both with permanent disability, both working).
    • Disregarded income: Social Security Disability Benefits and/or Railroad Retirement System Benefits, received by an individual on their own account, are not included in the eligibility criteria.
  • Have an unearned income (pensions, child support, interest, etc.) up to $958 per month for eligible individuals, or up to $1,293 for eligible couples.
  • Have less than $20,000 in liquid assets as an individual, or less than $30,000 as a couple.
    • Disregarded assets: Retirement accounts like an IRA or 401K, and the value of owned home and car, are also disregarded.

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