KBenefits Insurance Services
Health Insurance for Employers & Individuals

NJSave is an online application to help low-income seniors and individuals with disabilities save money on Medicare premiums, prescription costs, and other living expenses.



You can save money with help from the NJ Division of Aging Services. This application has benefits that include:

  • Programs that pay your monthly Medicare Part B premium, which costs most people $164 per month;
  • Programs that help pay for the cost of your prescription medication, including premium payments and deductibles;
  • An annual $225 benefit for electric and gas bills; and
  • A $100 reimbursement to help offset hearing aid costs.
Programs Accessed Through NJ Save

NJ Save enrolls eligible applicants into the following programs:

The application is also used to screen individuals for numerous savings and assistance programs.  If it looks like they may qualify, their data is forwarded on for enrollment.  These programs include:

Individuals who qualify for PAAD and Lifeline Utility Assistance through NJ Save may also be eligible for:

KBenefits Insurance Services
Employee Benefits

Individual Health Insurance
Medicare Plan Options


Christopher S. Kudryk
Insurance Specialist

KBenefits specializes in health, dental, vision, life and medicare insurance for employers and individuals in NJ & NY.

Thank you for your referrals!
Referrals are the cornerstone of our business.  Let us know if we can be of further assistance to you or someone you know.  Glad to be of service

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