Dental Grants in New Jersey

Free and Low-Cost Dental Care for New Jersey Seniors: Complete 2026 Guide

Last updated: January 13, 2026

Content reviewed for accuracy against current New Jersey Medicaid policies and applicable federal guidelines as of 2026.

Quick Help Summary

Bottom Line: New Jersey offers more dental options for seniors than many states, with NJ FamilyCare providing comprehensive adult dental benefits for qualifying seniors. Success requires knowing which programs match your income and applying to multiple options.

What You Need to Know Right Now:

• Good News: New Jersey Medicaid (NJ FamilyCare) covers comprehensive dental care for adults including cleanings, fillings, crowns, root canals, and dentures
• Income matters: eligibility is based on the latest Federal Poverty Level (FPL) guidelines, with programs serving households from low income up to 600% of FPL.
• PAAD Card Benefit: Seniors with PAAD cards get minimum 15% discount at participating dentists statewide
• Reality Check: Wait times range from 2 weeks to 18 months depending on program and location

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DENTAL EMERGENCY HELP – GET CARE TODAY

If you’re having severe dental pain right now:

Emergency Dental Care Options

1. NJ FamilyCare Emergency Dental

• If you have Medicaid: Call the dental number on your ID card or your health plan for emergency help
• For severe pain/swelling: Go to nearest emergency room
• TTY Services: 1-800-701-0720 for hearing impaired

2. Rutgers School of Dental Medicine Emergency

• Address: 110 Bergen Street, Newark, NJ 07103
• Phone: (973) 972-4242
• Email: rsdmscreening@sdm.rutgers.edu
• Cost: Much lower than private practices but services are not free
• Important: Accepts Medicaid plans but does not accept private insurance

3. Federally Qualified Health Centers (Emergency)

• AtlantiCare FQHC: (888) 569-1000 – patients may walk in for services
• Zufall Health: Multiple NJ locations – sliding scale fees available

Emergency Pain Management (While Seeking Care)

If your doctor says it’s safe and you have no kidney, liver, or heart conditions:

• 800mg ibuprofen every 8 hours AND 1000mg Tylenol every 6 hours (can be taken together)
• Apply ice pack to outside of cheek for 15 minutes at a time
• Rinse gently with warm salt water (1 teaspoon salt in 8 oz water)

Critical Warning: Always consult your doctor before taking pain medications, especially if you have medical conditions or take blood thinners.

Go to Emergency Room immediately if you have:

• Difficulty breathing or swallowing
• Severe facial swelling affecting your ability to open your mouth
• High fever with dental pain
• Uncontrolled bleeding from mouth

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New Jersey’s Dental Coverage Advantage

Unlike many states, New Jersey provides relatively comprehensive dental options for seniors. New Jersey adults and children enrolled in Medicaid are eligible for dental services through NJ FamilyCare, making it one of the more generous states for adult dental coverage.

Why New Jersey is better than most states:

• Comprehensive adult dental benefits through Medicaid including crowns, root canals, and dentures
• Multiple income-based programs serving different financial situations
• PAAD card provides 15% minimum discount at participating dentists
• Strong network of community health centers and dental schools

Health Impact Reality: Poor oral health significantly worsens diabetes and heart disease – critical concerns for New Jersey’s large senior population.

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Verified Free and Low-Cost Programs

1. NJ FamilyCare (New Jersey Medicaid) – Best Coverage Option

Current Status (2026):
New Jersey continues to offer comprehensive dental benefits through the NJ FamilyCare (Medicaid) program, including preventive care (exams and cleanings) as well as medically necessary dental treatment for eligible members.

Who Qualifies:

• Adults age 65 and older who meet NJ FamilyCare income and asset guidelines in effect for 2026
• Younger adults with qualifying disabilities may also be eligible
• Income limits are based on current Medicaid standards and vary by household size and eligibility category
• Asset limits apply for older adults and people with disabilities, as defined by New Jersey Medicaid rules

Services Covered (Comprehensive Benefits): The dental services listed below are included in your benefits:

• Preventive: Two oral evaluations per year, cleanings, X-rays, fluoride treatments
• Restorative: Fillings (tooth-colored or silver)
• Major Work: Crowns, root canals, extractions, periodontal treatment
• Prosthetics: Complete and partial dentures (including adjustments and repairs)
• Emergency: As needed for urgent problems

Important Reality Check: Services marked with ** may need to be approved before being provided – this includes crowns, periodontal treatment, root canals, and dentures.

How to Apply:

• Phone: 1-800-701-0710 (TTY: 1-800-701-0720)
• Online: njfamilycare.org
• In person: Any county welfare agency

2. NJDA Senior-Dent Program – Guaranteed 15% Discount

Current Status (2026):
The NJDA Senior‑Dent Program continues to provide a guaranteed minimum 15% discount on dental services for eligible New Jersey residents.

Who Qualifies:

• Patients who hold a valid PAAD (Pharmaceutical Assistance to the Aged & Disabled) card
• PAAD participation confirms eligibility for the Senior‑Dent discount program

PAAD Card Eligibility (2026):

To qualify for a PAAD card, applicants must:

• Be age 65 or older, or
• Be ages 18–64 and receiving Social Security Title II Disability benefits
• Meet current PAAD income limits, which are reviewed and updated annually by the State of New Jersey
• Be a New Jersey resident and meet other state program requirements

Income limits and eligibility criteria are subject to change. Applicants should confirm current PAAD requirements through the New Jersey Department of Human Services or an authorized enrollment counselor.

What You Get: A participating dentist must offer an eligible patient a minimum courtesy reduction of 15% from the standard fee charged on all dental services

How It Works:

• Present your valid PAAD card at any participating dentist
• Automatic 15% minimum discount on all services
• No application needed beyond having PAAD card
• Dentists may offer larger discounts at their discretion

To Get PAAD Card:

• Phone: 1-800-792-9745
• Online: Apply through NJSave at nj.gov

3. Donated Dental Services – Completely Free Comprehensive Care

Current Status (2026):
The Dental Lifeline Network continues to operate the Donated Dental Services (DDS) program in New Jersey, connecting eligible residents with volunteer dentists who provide comprehensive dental treatment at no cost.

Program Overview:

• Care is provided by licensed volunteer dentists and dental labs
• Services may include diagnostic, restorative, and surgical treatment, depending on patient need and provider availability
• DDS focuses on individuals who cannot afford dental care and have no other treatment options

Eligibility Notes:

• DDS eligibility is typically limited to seniors, people with disabilities, or individuals with serious medical conditions
• Applicants must meet program‑specific criteria and are often placed on a waitlist, as services depend on volunteer capacity

Availability and wait times vary by region and provider participation. Applicants should confirm current DDS eligibility and enrollment status through Dental Lifeline Network.

Who Qualifies:

• Age 65+ OR permanent disability
• Cannot afford dental treatment
• Have medical condition that dental problems could worsen
• Reality Check: We are NOT accepting applications in the following counties. If your county is listed, we cannot accept your application at this time

Services Covered:

• Comprehensive dental treatment including restorative work
• Not limited to emergency care
• All work performed by volunteer licensed dentists

How to Apply:

• Northern New Jersey: Email Janette Waleri, DDS Coordinator, at jwaleri@DentalLifeline.org
• Rest of New Jersey: Email Shanda Bell, DDS Coordinator, at sbell@DentalLifeline.org
• Website: dentallifeline.org/new-jersey
• Note: If you have documentation from a physician stating that you cannot receive essential medical treatment due to your dental condition you can apply for the program even if your county is closed

4. Rutgers School of Dental Medicine – Reduced-Cost Care

Location and Contact:

• Address: 110 Bergen Street in Newark
• Phone: (973) 972-4242
• Email: rsdmscreening@sdm.rutgers.edu

What They Offer: Rutgers School of Dental Medicine (RSDM) provides a full range of oral health services while training the next generation of dentists

Cost Reality:

• High-quality care at rates much lower than private practices, but services are not free
• RSDM accepts Medicaid plans, but we do not accept private insurance
• Multiple clinic levels available with varying costs

Serving Areas: Camden, Essex, Middlesex Counties; communities around Rutgers University

5. Federally Qualified Health Centers (FQHCs) – Sliding Scale Fees

What They Are: Free or low-cost treatment is available at Community Health Centers, also known as Federally Qualified Health Centers (FQHCs), regardless of your ability to pay, your immigration status, or if you have health insurance

Services Available: FQHCs provide a range of services including primary and preventative care, immunizations, dental care

Major FQHC Options:

AtlantiCare Health Services FQHC:

• Phone: (888) 569-1000
• Services: Comprehensive range of dental services, including exams, x-rays, routine check-ups, and restorative treatments
• Payment: Sliding-scale fees and accept various insurance plans

Zufall Health:

• Coverage: Sites in north, west, and central New Jersey
• Services: Award-winning medical and dental home
• Special Program: Smiles For Our Heroes – two-day event providing free dental care to eligible vets and their families

How to Find FQHCs:

• State Directory: Find an FQHC near you with this search tool, this map, or 211’s online list of community clinics
• Call 2-1-1: Free information and referral service

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Medicare and Insurance Options for New Jersey Seniors

Traditional Medicare (Parts A & B)

Reality Check: In most cases, Medicare doesn’t cover dental services like routine cleanings, fillings, tooth extractions (removals), or items like dentures and implants

Limited Coverage Exceptions: Some dental services you get when you’re admitted as a hospital inpatient for your dental procedure, either because of your underlying medical condition or the severity of the procedure

Medicare Advantage Plans in New Jersey

Current Landscape (2026):

• New Jersey residents continue to have broad access to Medicare Advantage plans, offered by multiple private insurers approved by Medicare
• Plan availability and premiums vary by county, insurer, and benefit design, and are updated annually
• $0‑premium Medicare Advantage plans remain widely available to Medicare‑eligible individuals in New Jersey, though benefits and cost‑sharing differ by plan
• Many plans include extra benefits beyond Original Medicare, such as routine dental, vision, hearing, and wellness services

Important Notes:

• Monthly premiums, provider networks, and covered dental benefits change each year
• Dental coverage under Medicare Advantage plans is limited and capped, and may not cover major procedures
• Enrollees should review Annual Notice of Change (ANOC) documents during each enrollment period

Plan availability, premiums, and benefits are reviewed annually and may change. Medicare beneficiaries should compare current options during the Medicare Annual Enrollment Period.

Dental Coverage Reality: Many Medicare Advantage plans include basic dental benefits, but coverage is typically limited with annual maximums of $1,000-$3,000. Medicare Advantage typically includes additional services, like vision, dental, hearing, and Part D

Stand-Alone Dental Insurance

New Jersey Marketplace Options (2026):
Adults in New Jersey can purchase stand‑alone dental insurance plans through the state health insurance marketplace. Monthly premiums vary by plan, coverage level, and insurer, with options designed for preventive care, basic services, and (in some cases) major procedures.

Key Considerations:

• Premiums and benefits are updated annually and differ by carrier
• Most plans include waiting periods for major dental services
• Annual benefit maximums and coverage limits apply
• Preventive services may be fully or partially covered, depending on the plan

Premiums, coverage details, and availability change each year. Consumers should review current plan options during the marketplace open enrollment period.

Six insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in New Jersey including Delta Dental of New Jersey.

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Income and Eligibility Guidelines (2026)

Federal Poverty Level Reference

Eligibility for dental assistance programs in New Jersey is commonly based on the most recently published Federal Poverty Level (FPL) guidelines, which are updated annually by the federal government. Income limits vary by program, household size, and eligibility category.

Because FPL amounts and program thresholds are updated each year, applicants should verify current income limits at the time of application.

New Jersey Medicaid (Long-Term Care) Income Limits

For seniors needing more comprehensive services:

• Income under $2,901 / month for nursing home Medicaid
• Assets under $2,000 for single applicants

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Patient Cost Scenarios: What Seniors Actually Pay

Scenario 1: Dorothy, 73, Newark (Social Security $1,950/month)

Qualifies for: NJ FamilyCare adult dental benefits

• Monthly income: Under $1,800 limit – qualifies for full coverage
• Services covered: Cleanings, fillings, crowns, dentures – all covered
• Total cost: $0 for covered services (may have small copays)
• Reality: Some services like crowns may require prior approval

Scenario 2: Robert, 68, Camden (Income $3,200/month, has PAAD card)

Qualifies for: PAAD Senior-Dent discount program

• Income: Under $53,446 annually – qualifies for PAAD
• Benefits: Minimum 15% discount at all participating dentists
• Crown cost: $900 vs. $1,200 without discount
• Strategy: Can also apply to Rutgers dental school for additional savings

Scenario 3: Maria, 71, Princeton (Income $4,500/month, no Medicaid)

Best options: Rutgers dental school + stand-alone dental insurance

• Rutgers: 30-50% savings vs. private practice
• Dental insurance: $9-$48/month premiums for marketplace plans
• Total strategy: Combines reduced-cost care with insurance coverage

Scenario 4: William, 76, Rural Sussex County (Income $2,800/month)

Challenge: Limited local options, transportation needed

• Qualifies for: PAAD discount program
• Strategy: Plan travel to Newark for Rutgers dental school
• Donated Dental Services: Apply as backup despite potential wait
• Transportation: May qualify for medical transportation assistance

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Regional Resources by New Jersey Counties

North Jersey (Bergen, Essex, Hudson, Morris, Passaic, Sussex, Warren)

Major Resources:

• Rutgers School of Dental Medicine (Newark) – Primary academic option
• Zufall Health – Sites in north, west, and central New Jersey
• Donated Dental Services: Northern New Jersey – email jwaleri@DentalLifeline.org

Transportation: NJ Transit provides bus and rail service to Newark for Rutgers clinic access

Central Jersey (Hunterdon, Mercer, Middlesex, Monmouth, Somerset, Union)

Resources:

• Rutgers clinics serve Middlesex Counties; communities around Rutgers University
• Zufall Health locations available
• AtlantiCare FQHC – (888) 569-1000

South Jersey (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean, Salem)

Resources:

• Donated Dental Services: Rest of New Jersey – email sbell@DentalLifeline.org
• AtlantiCare FQHC – Major resource for southern counties
• Travel consideration: May need to travel to Newark for comprehensive services

Special Programs by Region

The NJ Dental Clinic Directory created by the state of New Jersey provides a central source of information on public dental clinics and services – available statewide

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Understanding New Jersey Dental Costs

Based on typical regional pricing patterns, the table below shows approximate ranges for common dental services in New Jersey. Actual costs vary significantly by location, provider, and specific treatment needs.

*Coverage depends on medical necessity and prior authorization requirements

Important Notes:

• NJ FamilyCare provides the most comprehensive coverage when eligible
• PAAD discount is minimum 15% – dentists may offer more
• Rutgers costs vary by clinic type and student year level

Payment Options Available

• CareCredit: Healthcare credit card (Warning: High interest rates after promotional period)
• Rutgers payment plans: Available for qualified patients
• FQHC sliding scale: Based on income and family size
• NJ FamilyCare: Covers most costs for qualified seniors

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Application Process: Step-by-Step Guide

Before You Apply – Gather These Documents

Required for Most Programs:

Application Timeline and Process

NJ FamilyCare:

1. Application: Call 1-800-701-0710 or apply online
2. Processing: 2-4 weeks for eligibility determination
3. Dental access: Immediate once approved
4. Finding dentist: Medical Assistance Customer Center can assist you in locating a dentist

PAAD Card:

1. Application: Call 1-800-792-9745 or apply through NJSave
2. Processing: 4-6 weeks
3. Renewal: Most PAAD beneficiaries need to submit a renewal application every other year
4. Dental access: Immediate with card at participating dentists

Donated Dental Services:

1. Application: Online at dentallifeline.org or email coordinators
2. Physician referral: Required within 30 days
3. Wait time: Varies significantly by county and volunteer availability
4. County restrictions: Some counties not accepting applications currently

Application Success Tips

1. Apply to multiple programs: Don’t rely on just one option
2. Keep copies: Maintain records of all applications and correspondence
3. Follow up monthly: Politely check status of pending applications
4. Be persistent: Programs may have wait lists but positions do open
5. Update information: Notify programs of address, income, or insurance changes

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Special Considerations for New Jersey Seniors

Transportation Solutions

Major Challenge: Many seniors need help getting to dental appointments

Available Options:

• NJ Transit Senior/Disabled Discounts: Reduced fares for public transportation
• County Transportation: Many counties provide medical transportation for seniors
• Access Link: NJ Transit paratransit service for disabled passengers
• Private Medical Transport: Available but can be expensive

Cost-Saving Strategy: Plan multiple appointments on same day to reduce transportation costs

Medication Interactions – Critical for NJ Seniors

Always tell your dentist about:

• Blood thinners (Warfarin, Eliquis, Xarelto) – may require special handling for procedures
• Bisphosphonates (Fosamax, Boniva) – can affect jaw bone healing
• Diabetes medications – can affect infection fighting and healing
• Blood pressure medications – may interact with dental anesthetics

Language and Cultural Services

NJ FamilyCare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, sex, age or disability

Available Language Support:

• If you speak any other language, language assistance services are available at no cost to you
• Spanish-language materials widely available
• TTY services: 1-800-701-0720

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Warning Signs and Emergency Indicators

Seek Immediate Emergency Care For:

• Severe facial swelling affecting breathing, swallowing, or ability to open mouth
• High fever (over 101°F) with dental pain – sign of serious infection
• Uncontrolled bleeding from mouth that won’t stop with pressure
• Trauma affecting multiple teeth or jaw
• Difficulty swallowing with dental pain

Call Your Dentist or Health Plan For:

• Severe toothache lasting more than 24 hours
• Broken tooth with sharp edges cutting tongue/cheek
• Lost filling or crown causing pain
• Swollen gums with pus discharge

Avoid These Common Mistakes:

• Don’t put aspirin directly on teeth – burns gum tissue
• Don’t ignore persistent bad breath – may indicate serious infection
• Don’t delay emergency treatment – dental infections can be life-threatening
• Don’t stop medications without doctor approval before dental procedures

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Preventive Care While Waiting for Treatment

Daily Care Essentials for Seniors

• Brush twice daily with fluoride toothpaste – use soft-bristled brush
• Floss daily or use water flosser (easier for arthritis sufferers)
• Rinse with antimicrobial mouthwash – helps control bacteria
• Remove dentures at night and clean thoroughly
• Stay hydrated – many senior medications cause dry mouth

Managing Common Senior Dental Issues

Dry Mouth (Xerostomia):

• Sip water frequently throughout day
• Use sugar-free gum or lozenges to stimulate saliva
• Avoid alcohol-based mouthwashes
• Ask doctor about medication alternatives if possible

Gum Disease:

• Use soft-bristled toothbrush to avoid irritation
• Consider electric toothbrush for better cleaning
• Regular dental check-ups twice a year essential for early detection

Denture Care:

• Remove and clean after each meal when possible
• Soak overnight in denture cleaner
• Regular adjustments needed as mouth changes with age

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Looking Ahead: New Jersey Program Changes

Confirmed Improvements for 2025-2026

• NJ FamilyCare Expansion: Ongoing efforts to expand adult dental benefits
• FQHC Funding: Federal grants continue supporting community health centers
• Technology Integration: More telehealth dental consultations becoming available

Legislative Watch

• Asset Limit Increases: Advocacy efforts to raise NJ FamilyCare asset limits to $40,000
• Medicare Dental Coverage: Federal proposals for expanded Medicare dental benefits
• Medicaid Improvements: Potential expansion of covered services and provider networks

What to Monitor

• New Jersey Department of Human Services announcements
• Changes in federal poverty level guidelines each January
• Medicare Advantage plan offerings during annual open enrollment

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Action Checklist for New Jersey Seniors

Do This Week

□ Check your income level against program eligibility requirements □ Apply for PAAD card if income qualifies: 1-800-792-9745 □ Call NJ FamilyCare if income under limits: 1-800-701-0710 □ Contact Rutgers dental school for appointment: (973) 972-4242 □ Gather required documents (ID, income proof, medical records)

Do This Month

□ Apply to Donated Dental Services if eligible □ Research local FQHC options using state directory □ Check Medicare Advantage plans for dental benefits during open enrollment □ Set up transportation plan for dental appointments □ Create emergency contact list with dental clinic numbers

Long-term Planning (Next 3-12 Months)

□ Schedule routine checkup once coverage established □ Plan major dental work with chosen provider □ Budget for potential out-of-pocket costs □ Maintain preventive care routine to avoid emergencies □ Review and update insurance and program enrollments annually

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Frequently Asked Questions

Q: Does New Jersey Medicaid cover dental care for seniors? A: Yes! The NJ FamilyCare Program (Medicaid) provides dental benefits so members can have regular dental check-ups, cleanings and needed dental treatment. This includes comprehensive services like crowns, root canals, and dentures for eligible seniors.

Q: What income level qualifies for free dental care in New Jersey? A: Eligibility depends on the program: NJ FamilyCare (New Jersey Medicaid): Seniors and other eligible adults may qualify for free or low‑cost dental care if they meet current Medicaid income and asset guidelines, which are updated annually and vary by household size and eligibility category. PAAD‑related programs (such as Senior‑Dent discounts): PAAD eligibility is based on state‑set income limits that change each year. Qualified PAAD cardholders may receive guaranteed dental discounts, though PAAD itself does not provide free dental care.

Q: How long do I have to wait for free dental care? A: Wait times vary significantly: NJ FamilyCare (immediate once approved), PAAD discount (immediate with card), Rutgers School (2-4 weeks for appointment), Donated Dental Services (varies by county and volunteer availability).

Q: Can I get dentures through New Jersey programs? A: Yes. NJ FamilyCare covers complete and partial dentures (including their adjustments) and denture repairs with prior authorization. PAAD provides 15% minimum discount on dentures at participating dentists.

Q: What should I do for a dental emergency if I can’t afford treatment? A: If you have NJ FamilyCare, call the dental number on your ID card. For severe symptoms (swelling, fever, difficulty swallowing), go to the emergency room. For urgent pain, contact Rutgers dental school at (973) 972-4242.

Q: Does the PAAD card really provide dental discounts? A: Yes. A participating dentist must offer an eligible patient a minimum courtesy reduction of 15% from the standard fee charged on all dental services. Many dentists offer larger discounts at their discretion.

Q: Can I use Medicare for dental care in New Jersey? A: Traditional Medicare covers very little dental care. However, Medicare Advantage plans often include dental benefits. New Jersey has 96 Medicare Advantage plans available in 2025, many with dental coverage.

Q: Are the dental school clinics safe for seniors? A: Yes. Dental school clinics—such as those affiliated with the Rutgers School of Dental Medicine—provide care in a supervised clinical setting. Dental students perform procedures under the direct oversight of licensed faculty dentists, and services must meet established professional and educational standards. Care is often slower than in private practice because procedures are used for teaching purposes and require additional review, but this structure allows for thorough evaluations and careful treatment, which many seniors find reassuring.

Q: What if I need dental work but live in rural New Jersey? A: You may need to travel to larger cities like Newark for comprehensive care. Consider transportation assistance programs and plan multiple appointments to reduce travel costs. Apply to multiple programs including Donated Dental Services.

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Key Takeaways

Most Important Facts for New Jersey Seniors:

✓ NJ FamilyCare provides comprehensive adult dental benefits – unlike many states
✓ PAAD card guarantees minimum 15% discount at participating dentists
✓ Multiple programs serve different income levels – from free care to discounted services
✓ Rutgers dental school offers quality care at reduced costs but services are not free
✓ Emergency dental care available through multiple channels including hospital ERs
✓ Transportation assistance may be available through county and state programs
✓ Application to multiple programs recommended – don’t rely on just one option
✓ Wait times vary significantly – plan ahead for routine care, seek immediate help for emergencies

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Emergency Contact Quick Reference

Immediate Emergency (Life-Threatening)

• Call 911: Difficulty breathing, severe facial swelling, uncontrolled bleeding
• NJ Poison Control: 1-800-222-1222 – 24/7 medication interaction questions

Dental Emergency and Program Information

• NJ FamilyCare: 1-800-701-0710 (TTY: 1-800-701-0720)
• Rutgers School of Dental Medicine: (973) 972-4242
• PAAD Program: 1-800-792-9745
• AtlantiCare FQHC: (888) 569-1000
• 2-1-1 New Jersey: Dial 2-1-1 for local assistance programs

Donated Dental Services Coordinators

• Northern New Jersey: Janette Waleri – jwaleri@DentalLifeline.org
• Rest of New Jersey: Shanda Bell – sbell@DentalLifeline.org

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Additional Resources and Verified Contacts

State and Regional Resources

New Jersey Department of Human Services

• NJ FamilyCare: njfamilycare.org
• Phone: 1-800-701-0710
• Services: Medicaid enrollment, dental provider lists

New Jersey Division of Aging Services

• PAAD Program: nj.gov/humanservices/doas/services/l-p/paad/
• Phone: 1-800-792-9745
• Services: Prescription assistance, utility help

New Jersey Department of Health

• FQHC Directory: nj.gov/health/fhs/primarycare/fqhc/
• Dental Clinic Directory: Available through state website
• Services: Public health clinic information

National and Professional Resources

Dental Lifeline Network

• Website: dentallifeline.org/new-jersey
• Services: Donated dental services matching program
• Application: Online with required physician referral

New Jersey Dental Association

• Senior-Dent Program: njda.org/senior-dent
• Services: PAAD discount program coordination

Medicare Resources

• Medicare.gov: medicare.gov
• SHIP (State Health Insurance Assistance Program): Free counseling for Medicare beneficiaries
• Services: Medicare plan comparison, benefits explanation

Educational and Community Resources

Rutgers School of Dental Medicine

• Address: 110 Bergen Street, Newark, NJ 07103
• Phone: (973) 972-4242
• Email: rsdmscreening@sdm.rutgers.edu
• Website: sdm.rutgers.edu/patient-care

Community Health Centers

• Find FQHC Tool: Search tool available through state website
• AtlantiCare: atlanticare.org
• Zufall Health: zufallhealth.org

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Income Eligibility Quick Reference (2026)

Program Comparison Table

Income eligibility for New Jersey dental assistance programs is generally tied to the most recently published Federal Poverty Level (FPL) guidelines or state‑set income limits, which are updated each year. The table below provides a structural comparison rather than fixed dollar amounts.

Important Notes:

• NJ FamilyCare uses 138% of Federal Poverty Level for expansion adult program
• PAAD limits are significantly higher, serving middle-income seniors
• Asset limits also apply for some programs ($4,000 for NJ FamilyCare seniors)

Special Income Considerations

• Social Security Disability: May qualify for programs regardless of age
• Veterans Benefits: Some veterans qualify for comprehensive free dental care
• Spousal Income: Rules vary by program for married couples

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Real Success Stories

“I’m 74 and hadn’t been to a dentist in 6 years because of the cost. When I qualified for NJ FamilyCare, I got my teeth cleaned, three fillings, and a crown – all covered. The dentist said my gum disease could have led to heart problems if left untreated. I’m so grateful New Jersey covers dental care for seniors.” – Rose M., Camden County

“My PAAD card has saved me hundreds of dollars on dental work. The 15% discount is guaranteed, but my dentist in Morristown actually gives me 20% off. It makes dental care affordable on my fixed income.” – Frank T., Morris County

“The students at Rutgers were so careful and professional. My dentures cost $1,200 instead of the $3,500 the private dentist quoted. It took longer, but the quality was excellent and I could afford it.” – Agnes K., Essex County

Note: Patient names changed for privacy; stories shared with permission

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Understanding Your Rights

What You’re Entitled To

Under New Jersey Law:

• Prompt scheduling for emergency dental care if enrolled in NJ FamilyCare
• Language interpretation services at no cost
• Non-discrimination based on age, disability, race, or national origin
• Access to your dental records and treatment plans

Under Federal Law:

• Emergency medical screening and stabilization at hospital emergency rooms
• Medicare-covered dental services when medically necessary and hospital-based

What to Do If You Experience Problems

With NJ FamilyCare:

• Contact Member Services number on your ID card
• File complaints through the state ombudsman program
• Contact NJ Department of Human Services if services are denied

With Other Programs:

• Document all interactions and keep copies of correspondence
• Contact program supervisors or coordinators if issues arise
• Seek assistance from 2-1-1 New Jersey for advocacy help

Red Flags – Avoid These Situations

• Door-to-door dental services offering “free” care
• Pressure to sign contracts immediately without time to review
• Requests for Social Security numbers before income verification process
• Mobile dental units in parking lots without proper licensing verification
• Guaranteed approval without proper application process

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Seasonal Considerations for New Jersey Seniors

Winter Planning (December-March)

• Weather delays: Plan extra time for appointments during snow/ice
• Indoor heating: Can worsen dry mouth – increase water intake
• Holiday eating: Sugar increases can worsen dental problems
• Plan ahead: Schedule routine care before bad weather season

Spring/Summer Opportunities (April-September)

• Better travel weather: Ideal time for seniors in rural areas to access Newark services
• RAM Events: Remote Area Medical clinics often scheduled in warmer months
• PAAD renewals: Many renewal forms sent in spring – don’t miss deadlines
• Medicare changes: Plan reviews typically happen in fall for next year’s coverage

Special Event Planning

• Give Kids A Smile: Adult services sometimes available at these events
• Health fairs: Often include dental screenings and referral information
• Senior centers: May coordinate group transportation to dental appointments

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Final Action Steps

If You’re Just Starting Your Search

1. Determine your income level using the tables provided
2. Apply for the highest-benefit program you qualify for first (usually NJ FamilyCare)
3. Get PAAD card if eligible for guaranteed discounts
4. Contact Rutgers dental school as backup option
5. Apply to Donated Dental Services even if other options available

If You Need Emergency Care Right Now

1. Assess severity: Breathing/swallowing problems = 911, severe pain = dental emergency
2. Call your health plan dental line if you have NJ FamilyCare
3. Go to Rutgers emergency for urgent dental problems
4. Use hospital ER only for life-threatening symptoms
5. Follow up with routine care once emergency is stabilized

If You’re Planning Ahead

1. Schedule routine checkup even if you feel fine
2. Address small problems before they become emergencies
3. Maintain good daily care while waiting for appointments
4. Plan transportation and time off work/caregiving
5. Keep all program information updated when income or address changes

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Sources and Citations

1. New Jersey Department of Human Services: NJ FamilyCare Adult Dental Services
2. New Jersey Division of Aging Services: PAAD Program Requirements
3. U.S. Department of Health and Human Services: 2025 Federal Poverty Guidelines
4. New Jersey Dental Association: Senior-Dent Program
5. Dental Lifeline Network: New Jersey Programs
6. Rutgers School of Dental Medicine: Patient Care Services
7. HealthInsurance.org: New Jersey Dental Coverage Guide
8. Centers for Medicare & Medicaid Services: Dental Care Coverage
9. Medicare.gov: Dental Services Coverage
10. New Jersey Department of Health: Federally Qualified Health Centers
11. New Jersey FamilyCare: Eligibility Requirements
12. AtlantiCare: Federally Qualified Health Center Services
13. Zufall Health: Community Health Centers
14. NerdWallet: Best Medicare Advantage Plans in New Jersey 2025
15. New Jersey State Basic Needs: Dental Care Help

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Disclaimer: Dental program details, eligibility requirements, income limits, and contact information can change frequently based on state and federal policy changes. Always verify current information directly with the relevant organization before making decisions about your dental care. This guide is for informational purposes only and is not a substitute for professional medical advice. Income limits and program availability are subject to change based on state legislation and funding availability. All statistics and program details were accurate as of January 2026 publication date. Wait times and service availability may vary significantly based on location, provider availability, and program funding. The patient stories included have been anonymized with permission. Medical and dental advice should always be sought from qualified healthcare professionals.