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LAW Home > Legal Topics > Health Care > NJ FamilyCare/Medicaid > Renewing your Medicaid Coverage

What You Need to Know If You Started Medicare from March 2020 to March 2023


From March 2020 through March 2023, NJ FamilyCare did not make any changes to Medicaid enrollment. This included not terminating anyone, even if they no longer qualified for the NJ FamilyCare program in which they were enrolled.

If you became eligible for Medicare during this time period – even if you did not enroll – then you may be in a Medicaid program that you are no longer eligible for. Most NJ FamilyCare enrollees between the ages of 19-64 are enrolled in Medicaid Expansion, also known as ABP Medicaid. You may see those letters on the front of your health insurance card. Once an enrollee gets Medicare, they are no longer eligible for this coverage and must be transferred to a different type of coverage, if they are eligible for that new Medicaid plan.

The income limits for the Medicaid programs for people who have Medicare are different than the limits for those without Medicare. Check the notice you receive to make sure that your gross income is listed correctly. If you are living with someone who is providing housing support to you, that may also be counted as income.

Your renewal form will also ask for information that you did not need to provide previously.Before you started Medicare coverage, you did not need to provide information about your resources (for example, how much money you have in the bank or whether you have a life insurance policy) because assets did not matter. The new programs do consider that information, because they have asset limits.

NJ FamilyCare contains many different Medicaid programs. County caseworkers will be evaluating whether you might be eligible for other programs before you are terminated. Other programs include:

  • New Jersey Care…Special, which is very similar to Medicaid coverage under the ABP program, including transportation and dental services, but the income limits are lower.
  • NJ WorkAbility, if you had a disability determination from the Social Security Administration prior to age 65 and you have a full- or part-time job.
  • Managed Long Term Supports and Services (MLTSS), if you need assistance with your activities of daily living, such as bathing, dressing and toileting. This program has much higher income limits but more requirements for eligibility.
  • Medicare Savings Programs, which can help with payment of your Part B Premium. The notice should include information about those programs if you are being terminated because your income is too high. (People who qualify for these programs can also get help with their prescription drug costs.)

It is not too late for you to choose Medicare coverage if you turned it down because you thought you had to pay the premium and were already covered by NJ FamilyCare Medicaid. You have six months after the date of your termination from NJ FamilyCare to sign up for Medicare, by contacting the Social Security Administration. The late enrollment penalty will not apply to you if you enroll during this grace period. In most cases, you can enroll in a Medicaid program that will help you pay the premium.

If you have been terminated and think you are still eligible, or you have any questions about having Medicare and Medicaid coverage, contact the LSNJ Health Care Access Project through the LSNJLAW Hotline at (1-888-LSNJ-LAW, 1-888-576-5529), or your local Legal Services program.