New Jersey Medicaid Office

NJ FamilyCare office (DMAHS)

NJ FamilyCare is New Jersey's publicly funded health insurance umbrella — it bundles Medicaid, CHIP, and the Medicaid expansion population under one brand and one application. The Division of Medical Assistance and Health Services (DMAHS), inside the New Jersey Department of Human Services, administers the program. Members and applicants reach the program through one phone line, one online application, and a multilingual web portal.

How to reach NJ FamilyCare

• NJ FamilyCare — 1-800-701-0710 (TTY 711). Hours: Monday and Thursday 8 a.m.–8 p.m.; Tuesday, Wednesday, Friday 8 a.m.–5 p.m. Eastern.
• QuickStart application — dmahs-nj.my.site.com/familycare/quickstart launches a new application directly from the NJ FamilyCare site.
• Stay Covered NJ — nj.gov/StayCoveredNJ for help keeping coverage during renewal.
• Get Covered NJ — getcovered.nj.gov is the state-based marketplace for residents who don't qualify for NJ FamilyCare.
• NJ FamilyCare website — njfamilycare.org for the eligibility chart, plan-choice tool, and enrollment data dashboards.

The NJ FamilyCare site provides multilingual support in more than 20 languages including Arabic, Bengali, Chinese, Creole, Dari, French, Gujarati, Hindi, Italian, Japanese, Korean, Pashto, Polish, Portuguese, Russian, Spanish, Tagalog, Turkish, Urdu, and Vietnamese. A standing NJ FamilyCare notice posts that the rules to qualify for NJ FamilyCare/Medicaid will change starting Fall 2026 (the federal OBBBA package); the agency publishes implementation details at nj.gov/humanservices/dmahs/obbba/index.shtml.

Who qualifies for NJ FamilyCare?

NJ FamilyCare combines Medicaid, CHIP, and the Medicaid expansion population under one program. As of January 1, 2023, children under age 19 may apply for NJ FamilyCare regardless of immigration status under the Cover All Kids notice published on njfamilycare.org. All other eligibility requirements — income, residency, household composition — still apply.

Coverage categories

• Expansion adults — adults age 19 through 64 qualify on a MAGI budget under the ACA Medicaid expansion category.
• Children under 19 (Cover All Kids) — qualify regardless of immigration status, in either the Medicaid or CHIP tier depending on family income.
• Pregnant individuals — covered during pregnancy and the postpartum period.
• Aged, Blind, or Disabled (ABD) — Non-MAGI category for adults 65+, blind, or with disabilities.
• NJ WorkAbility — buy-in for working adults with disabilities; higher resource limit than standard ABD. Confirm the current asset limit at njfamilycare.org.
• Managed Long Term Services and Supports (MLTSS) — for adults who need a nursing-facility level of care.
• PLAN FIRST — family planning services only, for residents whose income is above NJ FamilyCare's full-coverage thresholds.
• NJ Supplemental Prenatal and Contraceptive Program — prenatal and contraceptive services for residents who don't qualify for full NJ FamilyCare.

Cover All Kids

The Cover All Kids notice on njfamilycare.org confirms that, as of January 1, 2023, children under age 19 may apply for NJ FamilyCare regardless of immigration status. Visit nj.gov/CoverAllKids for the program detail.

Asset rules

MAGI categories carry no asset test. ABD categories use a Non-MAGI track with state-specific resource limits — verify current thresholds at njfamilycare.org or with your county Board of Social Services. NJ WorkAbility uses a higher resource limit and excludes retirement accounts.

Renewals

DMAHS attempts ex parte renewals first using federal and state data. When data confirms eligibility, coverage continues without paperwork. When it doesn't, a renewal packet appears in the member portal and by mail, and the member must respond by the printed deadline or coverage closes. Stay Covered NJ at nj.gov/StayCoveredNJ has renewal-protection resources.

NJ FamilyCare income limits

NJ FamilyCare publishes income limits by household size and category in a chart at njfamilycare.org. The percentages and dollar amounts update each January with the federal poverty level — verify a current figure on njfamilycare.org or by calling 1-800-701-0710 before relying on it.

Where to find the current numbers

• NJ FamilyCare income chart — njfamilycare.org publishes the current eligibility chart for adults, children, pregnant individuals, and parents by household size.
• Cover All Kids tiers — children under 19 qualify regardless of immigration status; the chart shows the Medicaid and CHIP income tiers and any monthly premiums for higher-income tiers.
• NJ WorkAbility — confirm the current resource limit and earned-income ceiling on njfamilycare.org.
• MLTSS / nursing facility — uses a special-income standard above standard ABD; community-spouse protections apply for the at-home spouse.
• Aged, Blind, or Disabled (ABD) — SSI-related categories follow the federal SSI Benefit Rate; New Jersey publishes its state-specific resource limits in DMAHS materials.
• Medicare Savings Programs (MSP) — QMB (up to 100% FPL), SLMB (100–120% FPL), and QI-1 (120–135% FPL) follow federal MSP standards updated annually by CMS.

Households above NJ FamilyCare income limits are referred to Get Covered NJ at getcovered.nj.gov, the state-based marketplace.

How to apply for NJ FamilyCare

NJ FamilyCare runs every application through one entry point — the QuickStart portal at njfamilycare.org. The same application screens for Medicaid, CHIP, and the Medicaid expansion population, and refers households above NJ FamilyCare limits to Get Covered NJ. Phone, paper, and county Board of Social Services paths exist for households that don't use the portal.

Online: NJ FamilyCare QuickStart

Apply at dmahs-nj.my.site.com/familycare/quickstart. The portal screens for all NJ FamilyCare categories. Existing members can manage their case, upload documents, and renew through the same login.

By phone

Call NJ FamilyCare at 1-800-701-0710 (TTY 711) for application help. Hours are Monday and Thursday 8 a.m. to 8 p.m. and Tuesday, Wednesday, Friday 8 a.m. to 5 p.m. Eastern.

In person at a County Board of Social Services

Every New Jersey county has a Board of Social Services (or County Welfare Agency) that processes NJ FamilyCare applications for ABD applicants, MLTSS applicants, and households that prefer in-person help. Find the Board contact at nj.gov.

Multilingual support

NJ FamilyCare publishes member materials in more than 20 languages. The Multilingual Support panel at njfamilycare.org links to Arabic, Bengali, Chinese, Creole, Dari, French, Gujarati, Hindi, Italian, Japanese, Korean, Pashto, Polish, Portuguese, Russian, Spanish, Tagalog, Turkish, Urdu, and Vietnamese versions of NJ FamilyCare member content.

If you're above NJ FamilyCare limits

Per njfamilycare.org, individuals ineligible for NJ FamilyCare can find information on other insurance affordability programs at getcovered.nj.gov, New Jersey's state-based marketplace.

Decision timelines

Federal rules give DMAHS up to 45 days to decide a non-disability application and up to 90 days for disability-based determinations. Retroactive coverage runs up to three months before the application month for households with qualifying medical bills.

What NJ FamilyCare covers

NJ FamilyCare describes its coverage as free or low-cost healthcare that covers doctor visits, prescriptions, vision, dental care, mental health and substance use services, and hospitalization. Most enrollees pick a Medicaid Managed Care Organization (MCO) at enrollment that handles physical health, behavioral health, and pharmacy benefits. Members in Managed Long Term Services and Supports (MLTSS) receive their long-term care through the same MCO.

Core benefits NJ FamilyCare publishes

• Doctor visits — primary and specialty care
• Prescription drugs
• Vision and dental care
• Mental health and substance use services
• Hospitalization

Which managed care plan serves you

NJ FamilyCare publishes its current list of participating managed care organizations and a side-by-side plan-choice tool on njfamilycare.org. Members pick a plan at enrollment or are auto-assigned, and can change plans during the annual open-change window or after a qualifying event. Check njfamilycare.org for current plan availability in your county.

MLTSS for long-term care

Managed Long Term Services and Supports (MLTSS) delivers New Jersey's Medicaid long-term care through the same MCO that handles a member's medical care. MLTSS members can receive nursing facility care, in-home personal assistance, adult day services, assisted living, and home-delivered meals depending on their assessed level of care.

Family planning and prenatal-only coverage

For New Jersey residents who don't qualify for full NJ FamilyCare, two narrower coverage paths remain: PLAN FIRST covers family planning services only; the NJ Supplemental Prenatal and Contraceptive Program covers prenatal care and contraception. Both are listed in the NJ FamilyCare site navigation.

Federal change notice

NJ FamilyCare's website carries a standing notice that the rules to qualify for NJ FamilyCare/Medicaid will change starting Fall 2026. The agency publishes the implementation timeline and member impacts at nj.gov/humanservices/dmahs/obbba/index.shtml.

Other state Medicaid pages