Postpartum Health Coverage and Maternity Support for Single Mothers in New Jersey

Postpartum Health Coverage & Maternity Support for Single Mothers in New Jersey

Last updated: September 2025

This hub gives you the fastest routes to postpartum medical coverage, paid leave, food and baby supplies, mental health care, and bill protections in New Jersey. Every program or group named below is linked right where it appears so you can click and act immediately.

If You Only Do 3 Things – Emergency Actions to Take

Call or apply for NJ FamilyCare now to lock in 12 months of postpartum coverage; you can enroll by phone at 1-800-701-0710 or online; if immigration blocks full Medicaid, ask a clinic for NJSPCP prenatal/family planning plus MEPP for labor bills, and use a Federally Qualified Health Center for sliding‑fee care. NJ FamilyCare, NJ Supplemental Prenatal & Contraceptive Program (NJSPCP), Medical Emergency Payment Program (MEPP). (njfamilycare.dhs.state.nj.us)
File for cash‑replacement while you heal and bond: use Temporary Disability Insurance for birth recovery, then switch to Family Leave Insurance for bonding pay; both replace 85% of wages up to $1,081/week in 2025. Temporary Disability Insurance (TDI), Family Leave Insurance (FLI), NJDOL 2025 benefit rates. (nj.gov)
Get immediate food, baby formula, and breastfeeding help from WIC and mental health support 24/7; enroll with NJ WIC, call the Maternal Mental Health Hotline, and text/call 988 if you feel unsafe. NJ WIC apply, Maternal Mental Health Hotline 1-833-943-5746, 988 Suicide & Crisis Lifeline. (nj.gov)

Quick Help Box – Keep These 5 at Hand

NJ FamilyCare Member & Enrollment Help: 1-800-701-0710 (TTY 711); use the official site to apply or find in‑person help; ask about 12‑month postpartum coverage. NJ FamilyCare phone & help, Who is eligible, Pregnant members coverage. (njfamilycare.dhs.state.nj.us)
GetCoveredNJ Marketplace (Special Enrollment after birth/pregnancy): 1-833-677-1010; see qualifying life events and income‑based year‑round options. When can I buy coverage, Get help enrolling, What to expect & dates. (nj.gov)
Paid Leave & Maternity Disability: Apply online for TDI and FLI; review 2025 maximums and eligibility; call NJDOL for questions. TDI overview, FLI overview, 2025 benefit rates. (nj.gov)
Utility Shutoff Protection & Energy Help: Call NJBPU 1-800-624-0241; use USF/PAGE and Winter Termination Program dates to stop shutoffs. BPU customer assistance, Winter Termination Program, DCAid energy portal. (nj.gov)
Domestic Violence & Safety: NJ DV Hotline 1-800-572-7233; Safe Haven for newborn surrender 1-877-839-2339; call or text 988 in crisis. NJCEDV hotline, NJ Safe Haven, 988 Lifeline info. (njcedv.org)

What This Guide Covers

You’ll find step‑by‑step directions, eligibility rules, documents needed, wait times, and Plan B options if an application stalls. We link to state and federal agencies and local partners so you can contact the right office the first time.

Postpartum Coverage in New Jersey: What You Can Get Right Now

NJ FamilyCare covers you for 12 months after the pregnancy ends if you were enrolled during pregnancy, even if your income changes; report the birth so your baby gets automatic coverage to the first birthday, and ask your plan about extra pregnancy benefits like doula support and lactation visits. NJ FamilyCare pregnancy page, Cover All Kids FAQs (pregnancy note), Connecting NJ (county maternal hubs). (nj.gov)

If you do not qualify for full NJ FamilyCare because of immigration status, ask a participating clinic to enroll you in the NJ Supplemental Prenatal & Contraceptive Program for prenatal and family planning care, and use the Medical Emergency Payment Program to cover labor and delivery and other true emergencies. NJSPCP program, MEPP emergency coverage, Find an FQHC (NJPCA directory). (njfamilycare.dhs.state.nj.us)

For people using job‑based or Marketplace plans, birth and adoption trigger a Special Enrollment Period; New Jersey also recognizes pregnancy as a qualifying event with earlier effective dates, and income up to 200% FPL unlocks year‑round nearly free plans; compare options and get free assister help. GetCoveredNJ – When can I buy, Major life event SEPs, Find local enrollment help. (nj.gov)

What to do if this doesn’t work: Ask a Connecting NJ hub to advocate with your county or plan, file a complaint with your health plan, or contact the NJ FamilyCare Health Benefits Coordinator for case review; if uninsured during delivery, apply for Hospital Charity Care to reduce bills while your coverage is sorted. Connecting NJ county numbers, NJ FamilyCare HBC 1-800-701-0710, Charity Care program. (nj.gov)

Quick Table: Which Postpartum Coverage Fits Me?

Situation	What to apply for	Key details	Who to call
Already on NJ FamilyCare during pregnancy	NJ FamilyCare postpartum coverage	12 months after pregnancy end regardless of income changes; report the birth within 10 days	NJ FamilyCare, HBC 1-800-701-0710, Cover All Kids FAQ (nj.gov)
Not eligible for full Medicaid due to immigration	NJSPCP + MEPP	Prenatal/family planning at clinics; MEPP pays for labor/delivery emergencies	NJSPCP, MEPP, Find an FQHC (njfamilycare.dhs.state.nj.us)
Employer plan or no insurance	GetCoveredNJ SEP	Birth/adoption and pregnancy qualify; income SEP <200% FPL open year‑round	When can I buy, FAQs, Assisters (nj.gov)
Hospital bills and no coverage	Charity Care	Free or reduced hospital charges based on income/assets	DOH Charity Care, Charity Care contact 1-866-588-5696, Legal Services NJ summary (nj.gov)

NJ FamilyCare for Pregnancy & 12‑Month Postpartum: Eligibility, Documents, and Timing

Start by applying online or by phone; pregnant people qualify up to 205% of the Federal Poverty Level, and 2025 DHS guidance lists a family‑of‑four limit at $5,493/month; if approved during pregnancy, coverage continues for one year postpartum and your baby is covered to the first birthday. Apply / HBC 1-800-701-0710, DHS Pregnant Women page, GetCoveredNJ NJ FamilyCare income chart link. (njfamilycare.dhs.state.nj.us)

Bring photo ID, proof of NJ residency, proof of pregnancy, and proof of household income; if you can’t gather everything, submit anyway and upload missing items within your case portal; most non‑crisis Medicaid decisions take around 30–45 days, but pregnant applications are often faster—call to expedite if you have upcoming appointments. Need help enrolling, Who is eligible, Connecting NJ for navigation. (njfamilycare.dhs.state.nj.us)

If immigration blocks full Medicaid, ask the clinic for the NJ Supplemental Prenatal & Contraceptive Program so your prenatal visits and birth control are covered, and make sure the clinic files MEPP for labor and delivery bills within three months. NJSPCP details, MEPP rules, NJ Leg. budget language (prenatal/contraceptive funding). (njfamilycare.dhs.state.nj.us)

What to do if this doesn’t work: Call the NJ FamilyCare Health Benefits Coordinator to request a supervisor review, get a Connecting NJ hub to escalate with your county board, and if you deliver uninsured, file a Charity Care application with the hospital within required timelines. HBC 1-800-701-0710, Connecting NJ local hubs, Charity Care overview. (njfamilycare.dhs.state.nj.us)

2025 Income Snapshot for Pregnancy Medicaid (205% FPL)

Household Size	Monthly Limit (205% FPL)	Source
1	$2,674	NJSPCP 2025 table (njfamilycare.dhs.state.nj.us)
2	$3,614	NJSPCP 2025 table (njfamilycare.dhs.state.nj.us)
3	$4,553	NJSPCP 2025 table (njfamilycare.dhs.state.nj.us)
4	$5,493	DHS Pregnant Women page (nj.gov)

Tip: If your income is just over these limits, still apply; tax‑based household sizing and deductions sometimes keep you eligible, and newborn coverage rules may help. Who is eligible (MAGI rules), GetCoveredNJ family page, Connecting NJ help. (njfamilycare.dhs.state.nj.us)

Paid Time While You Recover and Bond: TDI, FLI, and Job Protections

File for Temporary Disability Insurance for the weeks your provider certifies you’re unable to work due to pregnancy and birth, then switch to Family Leave Insurance for up to 12 weeks to bond with your baby; both pay 85% of your average weekly wage, up to $1,081/week in 2025. TDI worker page, FLI worker page, NJDOL 2025 press release. (nj.gov)

Expect to provide recent pay stubs or a wage history and a medical certification; base‑week earnings for 2025 are $303/week, and you can receive benefits intermittently for bonding; submit claims online as soon as leave begins. Benefit calculation & base week, FLI calculation example, Maternity coverage basics. (nj.gov)

Know your workplace rights: New Jersey’s Law Against Discrimination requires reasonable accommodations for pregnancy, postpartum recovery, and lactation, and the federal PUMP Act requires break time and a private space to pump for one year; file with NJ Division on Civil Rights or the U.S. Department of Labor if needed. NJ OAG guidance, EEOC pump‑at‑work rights, U.S. DOL PUMP Act. (njoag.gov)

What to do if this doesn’t work: Appeal your TDI/FLI decision by the deadline on your notice, ask your provider to update medical certification, and contact Legal Services of New Jersey or your union if your employer denies a lawful accommodation. TDI/FLI pages, NJ OAG lactation guidance, Legal Services of NJ. (nj.gov)

2025 Snapshot: TDI & FLI Benefits

Program	Pay rate & weekly max	Duration	Proof needed
TDI (pregnancy & birth recovery)	85% of average weekly wage up to $1,081	Provider‑certified period	Medical certification + wages
FLI (bonding)	85% of average weekly wage up to $1,081	Up to 12 consecutive weeks or intermittent	Proof of birth + wages

Source: NJDOL 2025 rates, TDI calculation, FLI calculation. (nj.gov)

Breastfeeding, Pumping, and Lactation Supplies

Most plans must cover lactation counseling and a breast pump with no cost sharing; confirm manual vs. electric and timing rules with your plan, and ask your OB or pediatrician to document medical need for the pump you prefer. HealthCare.gov breastfeeding benefits, HHS breast pump FAQ, GetCoveredNJ SEP info. (healthcare.gov)

Your right to pump at work is protected: employers must provide reasonable break time and a private, non‑bathroom space, and NJ’s Division on Civil Rights says accommodations should be prompt and not penalize you; call DCR or the U.S. Department of Labor if your requests are ignored. NJ DCR lactation guidance, U.S. DOL PUMP Act, EEOC pumping rights. (njoag.gov)

For free local support, contact NJ WIC lactation staff or peer counselors, join La Leche League meetings online or nearby, and check the NJ Breastfeeding Coalition for workplace templates and bilingual materials. NJ WIC breastfeeding support, La Leche League USA – find help, NJ Breastfeeding Coalition resources. (nj.gov)

What to do if this doesn’t work: Ask your OB or pediatrician to send a letter of medical necessity for an electric pump, file a benefits appeal with your insurer, and report employer noncompliance to DCR or the U.S. Department of Labor. HealthCare.gov pump coverage, NJ DCR guidance, U.S. DOL PUMP Act. (healthcare.gov)

Home Visiting, Doulas, and “Fourth Trimester” Care

Ask a Connecting NJ hub to refer you to a home visiting program (Healthy Families, Nurse‑Family Partnership, or Parents as Teachers) and to Family Connects NJ, which is expanding nurse home visits across counties in 2025; visits happen within two weeks of birth and include checks for your blood pressure, mood, and feeding. Connecting NJ county hubs, Family Connects NJ rollout, DCF expansion press release. (nj.gov)

If you’re on NJ FamilyCare, ask your plan about community doula coverage and referrals; NJ increased doula reimbursement to $1,165 for labor support plus eight perinatal visits, and midwifery rates align with Medicare to expand access. DOH — NJ Community Doula Care, DHS press release (rates), DHS doula provider info. (nj.gov)

Follow medical guidance for a postpartum check within three weeks and a comprehensive visit by 12 weeks to address mood, bleeding, blood pressure, contraception, and chronic conditions; ask about immediate postpartum contraception if you want to prevent another pregnancy soon. ACOG postpartum care guidance, ACOG news release, CDC vaccine timing postpartum. (acog.org)

What to do if this doesn’t work: If a home visiting slot is full, ask your Connecting NJ hub for short‑term nurse check‑ins, tele‑lactation, or community health worker support; if your plan can’t connect you to a doula, request the MCO’s doula directory and file a grievance. Connecting NJ, DHS doula directories, NJDLC (doula workforce). (nj.gov)

Food, Formula, and Diapers: WIC and SNAP

Enroll with NJ WIC as a postpartum parent for nutrition, breastfeeding help, and an eWIC card; FY2025 fruit‑and‑vegetable benefits are set in federal policy, and postpartum participants receive $47/ m o n t h, f u ll yor p a r t ia ll y b re a s t f ee d in g p a r t i c i p an t srece i v e$ 52/month, and children receive $26/month through Sept 30, 2025. USDA FNS FY2025 CVB amounts, WIC apply NJ, Find a WIC clinic. (fns.usda.gov)

Income limits for WIC in New Jersey run at 185% FPL through June 30, 2025; many who receive NJ FamilyCare or SNAP are automatically income‑eligible, and clinics can offer breast pumps and peer counseling. NJ WIC income table (effective 6/1/24–6/30/25), WIC breastfeeding services, USDA WIC Q&A on rule changes. (nj.gov)

Apply for SNAP through MyNJHelps or your County Board of Social Services; approved households get an EBT card and can also use Double Up Food Bucks and farmers’ market vouchers when available. NJ SNAP home, Ways to apply, County agencies (via SNAP site). (nj.gov)

What to do if this doesn’t work: Call the WIC office listed for your county and ask for a “priority postpartum” appointment, contact SNAP Navigators if your online application errors out, and ask your pediatrician’s office for emergency formula samples while you wait. WIC clinic directory, SNAP Navigators, Connecting NJ for diapers/basic needs. (nj.gov)

Hospital Bills: How Charity Care Works

New Jersey’s Hospital Care Payment Assistance Program (Charity Care) reduces inpatient and outpatient hospital charges based on income and assets; full coverage is possible up to 200% FPL and partial relief up to 300% FPL, and hospitals must accept applications and make determinations. DOH Charity Care, Charity Care eligibility explainer (LSNJ), Charity Care contact 1-866-588-5696. (nj.gov)

Hospitals cannot charge most uninsured patients more than 115% of the Medicare rate, and state subsidies support hospitals that provide large amounts of Charity Care; always ask the billing office to apply hospital‑wide discounts first, then Charity Care. LSNJ Charity Care summary, DOH hospital subsidies page, State subsidy methodology (budget doc). (lsnjlaw.org)

What to do if this doesn’t work: Appeal in writing to the hospital Charity Care unit, file a complaint with the DOH Charity Care office if you were refused an application, and request itemized bills and financial‑assistance policies. Charity Care contact, DOH Charity Care main page, Hospital Subsidies Unit. (nj.gov)

How to Stop Utility Shutoff in New Jersey Today

If you’re behind on gas, electric, water, or sewer, ask your utility for a deferred payment plan and enroll in the Universal Service Fund; if it’s between November 15 and March 15, request protection under the Winter Termination Program, and apply for PAGE if you need one‑time help. BPU Customer Assistance, Winter Termination Program rules, PAGE via SHARES. (nj.gov)

For 2025, NJBPU confirmed WTP ends March 15 and encouraged customers to call before shutoff; USF applications are due by August 15, 2025 for the 2025 season, and program enhancements increasing benefit minimums take effect October 1, 2025. BPU WTP notice 3/14/2025, DCAid deadlines, USF enhancement press release. (nj.gov)

Call 2‑1‑1 for help filling applications or use the DCA screening tool; request Fresh Start if you carry a high balance, and ask PSE&G, JCP&L, ACE, or Rockland Electric about utility‑run assistance. DCAid portal, BPU assistance page, NJ 2‑1‑1. (dcaid.dca.nj.gov)

What to do if this doesn’t work: Call BPU’s Customer Assistance at 1-800-624-0241, ask for a 24‑month plan if you’re medically vulnerable or returning from WTP, and reapply when LIHEAP reopens October 1, 2025. BPU contact & programs, BPU press WTP, DCA LIHEAP page. (nj.gov)

Child Care While You Heal or Return to Work

New Jersey’s Child Care Assistance Program (CCAP) is paused for new applications as of August 1, 2025 due to limited funding; current families stay covered, but new children cannot be added; check Head Start or school‑district pre‑K while you wait. ChildCareNJ – CCAP notice, Provider rates/notice, LRRC update. (childcarenj.gov)

If you already receive CCAP, copays resumed August 1, 2024, and you may owe any “overage” if your provider charges more than the state rate; talk to your CCR&R about switching to a lower‑cost provider. Copay policy, Rates/explanation, CCAP important info. (childcarenj.gov)

What to do if this doesn’t work: Ask your local “Connecting NJ” hub for diaper banks, in‑home visiting with parenting support, and flexible child‑development programs; check Head Start, Early Head Start, and district pre‑K waitlists. Connecting NJ, Family Connects NJ expansion info, Home visiting programs (DCF). (nj.gov)

Mental Health, Domestic Violence, and Crisis Lines

Call or text 988 for crisis support 24/7, use the National Maternal Mental Health Hotline for perinatal anxiety or depression, and contact Postpartum Support International for local peer groups and therapist referrals. 988 Lifeline, Maternal Mental Health Hotline 1-833-943-5746, PSI HelpLine. (988lifeline.org)

If you’re unsafe at home, call the NJ Domestic Violence Hotline and ask for a safety plan, shelter placement, or court help; you can also seek a temporary restraining order through the Superior Court Family Part or local police after hours. NJCEDV hotline, NJ OAG hotlines page, NJ State Police DV info. (njcedv.org)

If you cannot care for a newborn and need a safe, legal option, New Jersey’s Safe Haven law allows surrender of an unharmed infant under 30 days at staffed hospitals, police stations, or 24/7 fire/first aid/rescue squads with no legal penalty. NJ Safe Haven, Safe Haven FAQ, DCF Safe Haven stats. (nj.gov)

What to do if this doesn’t work: If lines are busy, try texting 988, contact PSI by text if phones feel hard, and ask your NJ FamilyCare plan for an urgent behavioral health appointment within the plan’s access standards. 988 contact options, PSI text, NJ FamilyCare member help. (988lifeline.org)

Reality Check: What Slows Applications and Care

Expect processing delays near enrollment deadlines and at the start of school seasons; child care subsidies are paused for new families, and energy aid runs on annual cycles; always ask for written timelines and keep copies of everything you submit. CCAP pause 8/1/2025, DCA energy deadlines, NJ FamilyCare help line. (childcarenj.gov)

Maternal care benefits are expanding through a new 10‑year federal model, but it takes time to reach every clinic; use Connecting NJ to find active services in your county while statewide pilots scale up. DHS TMaH announcement 1/21/2025, Connecting NJ, DCF Family Connects rollout. (nj.gov)

Common Mistakes to Avoid

Missing 12‑month postpartum coverage: not reporting your pregnancy or birth to NJ FamilyCare and your plan could risk a gap; call the HBC to update your case right away. Cover All Kids FAQ, NJ FamilyCare help line, DHS pregnancy page. (nj.gov)
Late TDI/FLI filings: waiting beyond the filing window or missing medical forms cuts benefits; submit online and upload doctor notes quickly. TDI worker page, FLI worker page, NJDOL rates/eligibility. (nj.gov)
Not appealing: many denials turn around on appeal if you add proof or correct an error; every program has a written appeal process and deadlines. NJ FamilyCare help, DCA energy help line, Charity Care contact. (njfamilycare.dhs.state.nj.us)

Quick Reference Cheat Sheet

Need	Best first step	Backup options
12‑month postpartum health coverage	Call NJ FamilyCare 1-800-701-0710	GetCoveredNJ SEP; FQHC sliding fees
Paid time to recover/bond	File TDI then FLI	Ask HR about employer leave
Breastfeeding & pumps	Ask plan for covered pump	WIC loaners; La Leche League
New baby’s coverage	Report birth to plan & NJ FamilyCare	Apply through GetCoveredNJ
Energy shutoff	Ask utility for WTP/plan & apply USF	Apply PAGE; call BPU
Mental health	Call 988 or Maternal MH Hotline	PSI Helpline

Resources: NJ FamilyCare, GetCoveredNJ, NJDOL TDI/FLI, NJ WIC, BPU Assistance. (njfamilycare.dhs.state.nj.us)

Application Checklist (screenshot‑friendly)

Photo ID and proof of NJ address for you
Proof of pregnancy or birth (note or birth certificate)
Pay stubs or proof of income (last 4–8 weeks)
Proof of household size (tax return or custody paperwork)
Health plan card or policy info if changing coverage
Doctor’s certification for TDI (if applying)
Utility bill and account number (for USF/PAGE)
Baby’s hospital discharge or bassinet card (if waiting for birth certificate)

Links: NJ FamilyCare apply/help, TDI/FLI apply, DCAid energy portal, WIC how to apply. (njfamilycare.dhs.state.nj.us)

Diverse Communities: Tailored Pointers and Access

LGBTQ+ single mothers: NJ law protects lactation and pregnancy accommodations regardless of gender identity, and PSI hosts dedicated queer and trans parent supports; ask Connecting NJ for inclusive providers and request a private space to pump per state and federal law. NJ DCR protections, PSI support for queer & trans parents, U.S. DOL PUMP Act. (njoag.gov)

Single mothers with disabilities or caring for disabled children: Ask for accessible formats, ASL video for 988, and large‑print applications; Rutgers’ Mom2Mom helpline supports caregivers of children with special needs and can connect you to respite. 988 ASL access, Mom2Mom 1-877-914-6662, DCF hotlines & services. (fcc.gov)

Veteran single mothers: TRICARE covers pumps and lactation counseling, and you can use 988, then press 1 for the Veterans Crisis Line; ask a VA social worker about short‑term housing or utilities help. TRICARE pump coverage, 988 Veterans option, GetCoveredNJ SEP. (tricare.mil)

Immigrant and refugee single moms: Even without eligible status, you can get prenatal and family planning through NJSPCP and labor/delivery coverage through MEPP; many FQHCs offer interpreters and sliding fees for postpartum care. NJSPCP program, MEPP emergency coverage, Zufall Health locations (FQHC). (njfamilycare.dhs.state.nj.us)

Tribal‑specific resources: While NJ has no federal reservations, many Native parents access national supports like PSI and 988; ask Connecting NJ for providers experienced with culturally safe care and for WIC clinics honoring traditional foods. PSI resources, 988 Lifeline, Connecting NJ. (postpartum.net)

Rural single moms with limited access: Use telehealth through your NJ FamilyCare plan, mobile units from FQHCs, and Family Connects nurse visits as rollout reaches more counties through 2027; ask about gas cards or ride help if offered. Family Connects rollout, Zufall mobile health, Connecting NJ. (familyconnectsnj.org)

Single fathers: Bonding leave and lactation‑space rights don’t apply, but FLI bonding pay, SNAP/WIC for eligible infants, and Charity Care for hospital bills do; use Connecting NJ for parenting groups and home visiting. FLI bonding, NJ WIC info, Charity Care. (nj.gov)

Language access: Request interpreters for health visits, ask for large‑print or translated materials, and use 988 Spanish options by pressing 2 or texting AYUDA; many state pages include Spanish and TTY 711 for hearing access. 988 Spanish access, NJ FamilyCare TTY 711, WIC multilingual guides. (988lifeline.org)

Resources by Region

North Jersey highlights: Use Partnership for Maternal & Child Health hubs in Bergen, Hudson, Morris, Passaic, and Union via Connecting NJ, schedule care with FQHCs like Zufall Morristown/West Orange, and contact Newark WIC for same‑week postpartum slots. Connecting NJ county list, Zufall Health locations, Essex/Newark WIC sites. (nj.gov)

Central Jersey highlights: Central Jersey Family Health Consortium serves Mercer, Middlesex, and Somerset via Connecting NJ; use Penn Medicine Princeton’s Zufall site and county WIC clinics for pumps and breastfeeding help. Connecting NJ (Central), Zufall Plainsboro site, WIC clinic map. (nj.gov)

South Jersey highlights: Southern NJ Perinatal Cooperative covers Atlantic, Burlington, Camden, Cape May, and Camden’s CAMcare; Family Connects operates in Cumberland, Gloucester, and expanding counties in 2025. Connecting NJ (Southern hubs), Family Connects expansion, WIC local agencies. (nj.gov)

Local Organizations, Charities, Churches, and Support Groups

Look for diaper banks, baby clothing closets, and church‑based food pantries via 2‑1‑1 and Connecting NJ; ask WIC and home‑visiting staff for local giveaway days and car‑seat events. NJ 2‑1‑1, Connecting NJ, WIC clinic directory. (nj211.org)

Join La Leche League meetings (virtual and in‑person) for feeding support and peer advice, and check the NJ Breastfeeding Coalition for workplace advocacy and Spanish materials. LLL meetings, LLL national site, NJ Breastfeeding Coalition. (lllusa.org)

If you need legal advice on Medicaid, Charity Care, or landlord issues during leave, call Legal Services of New Jersey for free help, and use DHS hotlines for family violence or child‑care concerns. Legal Services of NJ, DCF hotlines, NJCEDV services. (lsnjlaw.org)

County‑Specific Notes (Examples)

Essex County — Newark postpartum access: Use Newark WIC’s downtown clinic, ask for NJ FamilyCare plan case managers at University Hospital postpartum clinic, and request Connecting NJ’s Essex Pregnancy and Parenting Connection for home visits. Newark WIC contacts, NJ FamilyCare help, Connecting NJ – Essex. (nj.gov)

Camden County — Camden lactation and WIC: Contact Southern NJ Perinatal Cooperative through The Connection (1-800-611-8326), ask CAMcare about lactation clinics, and use PAGE or USF if PSE&G bills threaten shutoff. Connecting NJ (SNJPC), BPU programs, DCAid energy help. (nj.gov)

Atlantic County — Atlantic City postpartum navigation: Call 2‑1‑1 for diaper bank listings, apply for WIC at your closest site, and if delivering at AtlantiCare, ask patient finance to screen for Charity Care before discharge. NJ 2‑1‑1, WIC clinic finder, Charity Care. (nj211.org)

FAQs (New Jersey–Specific)

How long does postpartum Medicaid last in New Jersey: Coverage lasts 12 months after pregnancy ends if you were enrolled during pregnancy; report the birth to your plan and NJ FamilyCare to update records. DHS pregnant women page, Cover All Kids FAQ, NJ FamilyCare help line. (nj.gov)
Do doulas really get covered: Yes for NJ FamilyCare members; NJ boosted community doula rates to $1,165 for labor plus eight perinatal visits; ask your plan for its doula directory. DHS press release (rates), DOH Community Doula Care, DHS doula directories. (nj.gov)
Can I get a breast pump for free: Most Marketplace and job‑based plans must cover a pump and lactation counseling with no cost sharing; check your plan’s rules for manual vs. electric and timing. HealthCare.gov breastfeeding benefits, HHS FAQ, NJ Breastfeeding Coalition resources. (healthcare.gov)
What are 2025 paid leave amounts: TDI and FLI both pay 85% of your average weekly wage up to $1, 081/ w ee kin 2025; t h e 2025 ba se ‑ w ee k e a r nin g s am o u n t i s$ 303. NJDOL 2025 rate notice, TDI page, FLI page. (nj.gov)
Are WIC fruit and vegetable amounts still higher: Yes through Sept 30, 2025; postpartum $47, f u ll y / p a r t ia ll y b re a s t f ee d in g$ 52, children $26 per month, subject to annual federal adjustments. USDA FY2025 memo, WIC apply NJ, WIC Q&A. (fns.usda.gov)
How do I stop a shutoff outside winter: Ask for a deferred plan and enroll in USF; apply for PAGE for one‑time help; call BPU if the utility refuses to assist. BPU programs, PAGE via SHARES, DCAid portal. (nj.gov)
Is pregnancy a qualifying life event on GetCoveredNJ: Yes; pregnancy and birth create Special Enrollment Periods with earlier start dates in New Jersey; help is free. When can I buy, FAQs SEPs, Get help. (nj.gov)
Can I get prenatal care without immigration status: Yes via NJSPCP at clinics/FQHCs, and MEPP can pay for labor and delivery emergencies; ask a hospital or FQHC to apply for you. NJSPCP, MEPP, FQHC locations. (njfamilycare.dhs.state.nj.us)
Where do I report a plan denying lactation visits or accommodations: Appeal to your plan, then file with NJ Division on Civil Rights and the U.S. Department of Labor under the PUMP Act. NJ DCR guidance, U.S. DOL PUMP Act, EEOC resource. (njoag.gov)
Who can help me navigate everything in one place: Contact your county’s Connecting NJ hub for referrals to home visiting, WIC, doulas, NJ FamilyCare enrollment help, and diaper/food resources. Connecting NJ directory, DCF home visiting, Family Connects rollout. (nj.gov)

Tables You Can Use and Save

Postpartum Coverage & Benefits Timeline (Fast View)

Timeframe	Tasks	Where to go
Week 0–2	Schedule nurse home visit (if available), file TDI, start WIC, request pump	Family Connects NJ, TDI, WIC (familyconnectsnj.org)
Weeks 3–6	Postpartum medical visit, add baby to coverage, switch to FLI	ACOG guidance, Cover All Kids FAQ, FLI (acog.org)
Weeks 6–12	Choose contraception, check blood pressure, appeal any denials	DHS pregnancy page, NJSPCP info, NJ FamilyCare HBC (nj.gov)

WIC FY2025 CVB Allowances (Oct 1, 2024 – Sep 30, 2025)

Participant	Monthly fruits & veggies	Source
Child (1–4)	$26	USDA FNS FY2025 (fns.usda.gov)
Postpartum (non‑breastfeeding)	$47	USDA FNS FY2025 (fns.usda.gov)
Breastfeeding parent	$52	USDA FNS FY2025 (fns.usda.gov)

Energy Help—Dates & Numbers

Program	Dates/Notes	Contact
Winter Termination Program	Nov 15 – Mar 15 protection from shutoff	WTP rules, BPU press, BPU help 1-800-624-0241 (nj.gov)
Universal Service Fund	Apply by Aug 15, 2025 for 2025 cycle	DCAid portal, USF info, BPU programs (dcaid.dca.nj.gov)
PAGE (one‑time help)	Year‑round while funds last	BPU PAGE info, SHARES 1-866-657-4273, PSE&G assistance page (nj.gov)

Pregnancy & Postpartum Medicaid (205% FPL) 2025 Quick Chart

HH Size	Monthly limit	Notes
1	$2,674	Based on 205% FPL from NJSPCP 2025
2	$3,614	Lawfully present immigrants eligible regardless of entry date
3	$4,553	Coverage extends 12 months postpartum
4	$5,493	Baby covered to age 1 if mom had NJ FamilyCare

Sources: NJSPCP table, DHS pregnancy page. (njfamilycare.dhs.state.nj.us)

Paid Leave 2025—At a Glance

Benefit	% of pay	Max weekly	Length
TDI (recovery)	85%	$1,081	Provider‑set
FLI (bonding)	85%	$1,081	Up to 12 weeks

Sources: NJDOL 2025 rate notice, TDI, FLI. (nj.gov)

If Your Application Gets Denied (Any Program)

Read the notice: look for the reason code and the appeal deadline; mark it on your calendar and submit your appeal on time. NJ FamilyCare help, NJDOL benefits pages, DCA energy FAQ. (njfamilycare.dhs.state.nj.us)
Fix what’s fixable: upload missing pay stubs, a clearer pregnancy letter, or a landlord statement; ask your clinic or employer to fax what is needed straight to the agency. Connecting NJ help, NJ FamilyCare help line, WIC local offices. (nj.gov)
Escalate: request supervisor review, contact your county liaison through Connecting NJ, and involve Legal Services if rights are violated or delays are extreme. Connecting NJ, Legal Services of NJ, Charity Care contact. (nj.gov)

Spanish Summary — Resumen en Español (traducción generada con herramientas de IA)

Cobertura posparto (12 meses) con NJ FamilyCare: aplique por teléfono al 1-800-701-0710 o en línea; informe el nacimiento para que el bebé tenga cobertura hasta cumplir 1 año. NJ FamilyCare, Embarazo y cobertura, Cover All Kids. (njfamilycare.dhs.state.nj.us)
Tiempo pagado: TDI y FLI pagan 85% del salario hasta $1,081/semana en 2025; presente la solicitud en línea lo antes posible. TDI, FLI, Tarifas 2025. (nj.gov)
Alimentos y apoyo de lactancia con WIC: solicite WIC, reciba beneficio mensual para frutas/verduras y apoyo de consejeras de lactancia; los montos de 2025 son $47 (p os p a r t o),$ 52 (lactancia), $26 (niños). WIC NJ, Montos FY2025, Directorio WIC. (nj.gov)
Servicios para inmigrantes: NJSPCP cubre atención prenatal/planificación familiar y MEPP cubre parto en emergencias; utilice centros de salud comunitarios con tarifas reducidas. NJSPCP, MEPP, FQHC cerca de usted. (njfamilycare.dhs.state.nj.us)
Crisis y violencia doméstica: llame/texto 988; línea estatal de violencia doméstica 1-800-572-7233; Safe Haven 1-877-839-2339 para entrega legal y segura de recién nacidos. 988, NJCEDV, Safe Haven. (988lifeline.org)

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified September 2025, next review April January 2026.

This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur – email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

Medical advice: talk with your doctor or midwife for diagnosis and treatment; use 911 for emergencies and 988 for mental health crises. ACOG postpartum guidance, 988 Lifeline, CDC vaccination guidance. (acog.org)

Program availability: funding and rules change; confirm current amounts and deadlines with the agency before you apply, and keep copies of all submissions. NJ FamilyCare, DCAid, BPU programs. (njfamilycare.dhs.state.nj.us)

Privacy & safety: use a safe device and email for applications; ask hotlines about confidential options and address‑confidentiality programs if needed. DCF hotlines, NJOAG hotlines, Address Confidentiality Program. (nj.gov)

Remember: front‑load the most critical steps—secure health coverage, income while you heal, and basic needs—as early as possible. Keep this page open, click the italic links right where you see them, and call to confirm availability before you apply.

Learn more:

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