Facebook
Donate

Resource Guide For Seniors

Medical Insurance

NJSAVE

NJSave, a new online application to help older residents with low-incomes and individuals with disabilities to save money on Medicare premiums, prescription costs, and other living expenses. Savings Programs, which help eligible individuals pay their Medicare premiums and co-pays; New Jersey’s Pharmaceutical Assistance to the Aged and Disabled (PAAD), which helps save money on prescription drug costs; and the Lifeline Utility Assistance Program. Prior to this, individuals had to fill out a paper eligibility application for each program. Instructions and a step-by-step YouTube tutorial are also available on the Division of Aging Services’ website.  

Serving:

Medicaid

Medicare

Medicare Advantage

Medicare Advantage plans, also called Medicare Part C, are offered through private insurance companies approved by the federal government to provide Medicare coverage. These plans must provide the same level of coverage as Part A and Part B Original Medicare offered by the federal government. Coverage may also include Part D, prescription drug coverage, and extra benefits, such as wellness programs or routine dental, vision or hearing care. Insurance carriers decide how much members pay for covered services, not the government, so the cost for Medicare Advantage plans vary.

Serving: New Jersey

Medicare Advantage HMO Plans

Medicare Health Maintenance Organization (HMO) plans offer Medicare benefits through private insurers to people enrolled in Medicare Parts A and B. The participating health insurance companies bill the federal government under Medicare for the coverage they provide. Your Part B Medicare premiums are part of the fixed payments that the government makes to these companies for your health insurance. HMO Plans can provide comprehensive coverage for everything from doctor’s visits, preventive care, and lab services to hospital stays and nursing facility care. Plus, some plans offer optional services, like drug and dental coverage. However, costs, eligibility, coverage restrictions, and enrollment requirements should be reviewed to determine whether a Medicare HMO plan meets your needs.

Serving:

Medicare Advantage Plans

Medicare Part C, or Medicare Advantage, exists as another way to deliver the benefits of Original Medicare Parts A and B. Medicare Advantage plans bundle Medicare Part A, Part B, and usually Part D. These plans must cover the same care and services as Part A and Part B, but may also include coverage for additional services like dental, vision, and auditory care.

Serving:

Scroll to Top

Lori Freudenberger-Nelson is a nonprofit professional with a passion for helping mission-driven organizations grow their impact through thoughtful fundraising and strong community relationships. She brings a diverse professional background that spans nonprofit leadership, law, and public service.

Before transitioning to the nonprofit sector, Lori practiced law and held roles at various law firms in New York City, where she worked in risk management and served as Manager of Legal Recruitment. She also served as a prosecutor at the Brooklyn District Attorney’s Office and at the New York City Law Department, Office of the Corporation Counsel. These experiences shaped her strong organizational, analytical, and communication skills and inform her collaborative approach to nonprofit development. She has worked closely with nonprofit boards, donors, and community leaders to strengthen donor engagement, support fundraising initiatives, and advance organizational growth.

Lori is deeply committed to community service and philanthropy and has been involved in numerous civic and charitable initiatives throughout her career.

As a doctor who has devoted his medical career to caring for geriatric patients, let me tell you a story about a patient I knew.

Day after day, she sat alone in her apartment, half-tuned to the TV. Her children lived several states away. She could not drive. There were times when she didn’t speak to another human for days. Sometimes she went weeks without a hot meal. This lonely, isolated woman— and many others like her — broke my heart and are the reason why I decided in to form a non-profit in 2012 called Connections at Home.

Based upon my patients stories, I could see the need was dire to help these seniors and the need remains just as critical today.  Connections at Home New Jersey offers a dedicated team of social workers and specially adapted technology that  addresses food insecurity, housing instability and the devastating effects of social isolation, and has dramatically improved the lives of thousands of seniors and provided peace of mind to their  relatives and friends.

Dr. Thomas McCarrick