NJ FamilyCare is the label for all Medicaid and CHIP programs administered by the State of New Jersey. All New Jersey Medicaid programs are included, whether they cover childless adults, parents, pregnant women, or children, and whether eligibility is based on income, disability, age, or other factors.

General Eligibility

To be eligible for the NJ FamilyCare program, you must meet certain financial requirements. You must also be a resident of New Jersey and be a U.S. citizen or have a qualified immigration status, unless you are a child under the age of 19. All children whose household income is under the limit will qualify for coverage regardless of immigration status.

Qualifying Solely by Income

You may qualify for Medicaid based solely on your income. The income limits depend on whether you are an adult (up to 65th birthday and without Medicare), a child (up to 19th birthday), or a pregnant woman, as shown in the table below.

2025 INCOME ELIGIBILITY LEVELS FOR MEDICAID AND CHIP

* Income is calculated based on the Modified Adjusted Gross Income (MAGI) method.
** Pregnant woman and unborn child count as family of 1 + number of fetuses carried.
***Uninsured women diagnosed with breast or cervical cancer may also be eligible for Medicaid using this income limit.

For further household sizes and income standards, see the Income Eligiblity Standards published by the Division on Medical Assistance and Health Services at their Who is Eligible? page.

Qualifying Based on Other Reasons

Many Medicaid programs provide coverage based on other reasons including disability and age. The financial eligibility rules for these other categories look at both income and resources. The income counting rules are different than the MAGI rules.

Here are some examples:

• Persons who are receiving Supplemental Security Income (SSI)
• Persons who are age 65 or older, blind, or disabled, but whose income or resources are higher than the SSI limit
• Persons who reside in nursing homes or assisted living facilities
• Persons who would be medically eligible for nursing home care, but who are able to receive care in home and community-based programs
• Persons who require emergency care who would be eligible for Medicaid but for their immigration status
• Certain low-income Medicare beneficiaries

Services

Title XIX of the Social Security Act requires states to provide certain basic services to specific categories of persons under the state's Medicaid program. The following services are federally mandated:

• Inpatient and outpatient hospital services
• Physician services
• Medical and surgical dental services
• Nursing facility (NF) services for individuals aged 21 and older
• Home health care for persons eligible for NF services
• Family planning services and supplies
• Rural health clinic services and any other ambulatory services offered by a rural health clinic that are otherwise covered under the State Plan
• Laboratory and x-ray services
• Pediatric and family nurse-practitioner services
• Federally qualified health center services and any other ambulatory services offered by a federally qualified health center that are otherwise covered under the State Plan;
• Nurse-midwife services (to the extent authorized under State law)
• Early and Periodic Screening, Diagnosis and Treatment (EPSDT) services for individuals under 21.

States may also receive matching federal monies if they choose to provide other Medicaid-covered services. New Jersey provides the following optional Medicaid-covered services to eligible individuals:

• Treatment in residential treatment centers
• Optometry services and eyeglasses
• Dental care
• Prescription medicines
• Chiropractic services
• Psychologist services
• Prosthetics and orthotics
• Podiatry services
• Prescription medicine necessary during long-term care
• Durable medical equipment
• Hearing aid services
• Transportation
• Personal care services
• Licensed practitioner services
• Private duty nursing
• Services in a clinic
• Physical, occupational and speech therapy
• Inpatient psychiatric care for individuals under 21 and over 65
• Intermediate care facilities for the mentally retarded.

Applying for NJ FamilyCare in New Jersey

You can apply for NJ FamilyCare online at NJFamilyCare; or by phone at 1 (800) 701-0710. You can also apply in person at one of the NJ FamilyCare Regional Offices or your county welfare office. See Need help enrolling? for a complete list of offices with in-person assistance.

Most NJ FamilyCare beneficiaries in New Jersey are required to join a participating insurance plan or MCO to receive most of their health care services. There are currently five NJ FamilyCare MCOs in New Jersey. For more information about these MCOs, visit NJ Medicaid & Managed Care (from the New Jersey Division of Medical Assistance and Health Services).​​​​

This information last reviewed: Feb 18, 2025