Supporting Limited Income: How Medicare and PAAD Transformed Patricia’s Healthcare Journey

February 20, 2024

Recently, we had the privilege of assisting a client, Patricia, who was facing challenging circumstances. Patricia, a low-income beneficiary, was struggling to navigate the complexities of Medicare and find a solution that would meet her healthcare needs without burdening her limited financial resources.

She was on a low fixed income and needed affordable refills for five medications, that including costly drugs. After understanding her needs, we suggested Patricia might qualify for a low-income subsidy (LIS) through New Jersey’s Pharmaceutical Assistance to the Aged and Disabled (PAAD) program, which she was unaware of. We guided her through the NJ PAAD enrollment, then helped her discover a Medicare Advantage plan tailored for LIS beneficiaries in Middlesex County, offering extra benefits, lower copays, and waived monthly premiums.

Typically, we avoid recommending Medicare Advantage plans with premiums, but the unique situation of LIS qualification allowed us to secure a plan that came at no additional cost for our client. This meant that they not only received the standard benefits of a Medicare Advantage plan with a $0 premium but also gained access to additional perks tailored to their healthcare needs.

This case underscores the transformative power of understanding and leveraging available resources. By strategically utilizing the LIS program we were able to provide our client with a comprehensive healthcare solution that not only addressed their immediate challenges but also improved their overall well-being.

If you or someone you know is navigating similar Medicare complexities, please don’t hesitate to reach out. We are here to help you find personalized solutions that make healthcare more accessible and affordable.


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