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Medically Needy Program (Medicaid Spend-down) - New Jersey
How can this program help me?
This program lets you get Medicaid benefits even if your income is higher than Medicaid program guidelines. It works by letting you spend down your income so that you meet Medicaid income limits. The spend-down amount is the amount of income that is over the Medicaid limit. This amount is different for each person.
To get Medicaid benefits, you must submit current paid or unpaid medical bills equal to or greater than your monthly spend-down amount. Once your medical bills reach this amount, you will get Medicaid coverage for the rest of the calendar month. While using Medicaid to pay for your medical expenses, you should use a health care provider who takes part in the Medicaid program.
How do I apply?
To find out how to apply for this program, contact your local office.
Frequently Asked Questions

Get Help from a Benefits Enrollment Center
Start Enrollment or Ask Questions
A Benefits Enrollment Center (BEC) can offer you personal, one-on-one assistance as you navigate program eligibility and look to apply. With support from the National Council on Aging (NCOA), the BEC can help you apply for an enroll in all of the benefits you may be missing out on.
Get Help from a Benefits Enrollment Center
Start Enrollment or Ask Questions
A Benefits Enrollment Center (BEC) can offer you personal, one-on-one assistance as you navigate program eligibility and look to apply. With support from the National Council on Aging (NCOA), the BEC can help you apply for an enroll in all of the benefits you may be missing out on.
