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Many Medicare beneficiaries do not realize there may be programs that help lower monthly Medicare costs. Depending on your income, resources, state, and eligibility, assistance may be available.
Medicare Savings Programs are state-run programs that may help people with limited income and resources pay certain Medicare costs. Depending on the program and eligibility rules in your state, help may be available for premiums and other out-of-pocket expenses.
These programs can be especially valuable for seniors and Medicare beneficiaries who are struggling with healthcare costs, prescription expenses, or monthly bills.
Medicare Savings Programs can have different categories. Exact eligibility and benefits vary by state.
| Program | What It May Help Pay | What to Know |
|---|---|---|
| QMB | May help pay Part A and/or Part B premiums, deductibles, coinsurance, and copays. | Often provides the strongest Medicare cost-sharing help for eligible beneficiaries. |
| SLMB | May help pay the Medicare Part B premium. | Designed for people who meet specific income and resource limits. |
| QI | May help pay the Medicare Part B premium. | Often first-come, first-served each year and may require annual application. |
| QDWI | May help certain disabled working individuals pay the Part A premium. | Applies to a more specific group of Medicare beneficiaries. |
Extra Help is a program that may help people with limited income and resources pay Medicare prescription drug costs. It can help lower Part D premiums, deductibles, and copays depending on eligibility.
Extra Help may reduce how much you pay for covered prescription medications.
Extra Help may assist with monthly prescription drug plan premiums depending on the plan and eligibility.
Some people who qualify may have reduced or eliminated Part D deductibles.
Some people qualify for both Medicare and Medicaid. This is often called being dual eligible. If you qualify, you may be able to receive help with healthcare costs, prescription drugs, and other benefits.
Federal health insurance for people 65 or older and certain younger people with disabilities or qualifying conditions.
A joint federal and state program that may help people with limited income and resources pay for healthcare and long-term care services.
Some Medicare Advantage plans are designed for people who have both Medicare and Medicaid, often called D-SNP plans.
Depending on your state and eligibility, you may receive help with premiums, copays, prescriptions, and additional benefits.
Benefits depend on the program, your state, and your eligibility. However, many people apply because they need help lowering monthly Medicare costs.
Some programs may help pay your Part B premium, which can put money back into your monthly budget.
Extra Help may reduce the cost of covered medications and lower drug plan expenses.
Depending on eligibility, certain programs may help reduce copays, coinsurance, and deductibles.
Some people with Medicaid or dual eligibility may have access to Medicare Advantage plans with additional benefits.
Some plan options may include dental, vision, or hearing benefits, depending on plan availability and eligibility.
Lowering healthcare costs may help seniors better manage groceries, utilities, housing, and other monthly expenses.
You may want to ask about these programs if Medicare costs are making it harder to manage your monthly budget.
If the Part B premium makes your monthly budget tight, a Medicare Savings Program may be worth reviewing.
If your medication costs are difficult to afford, Extra Help may be an important option to explore.
If your income and resources are limited, there may be state or federal programs available to help.
If you already have Medicaid, you may qualify for additional Medicare support or dual-eligible plan options.
A change in income, retirement, disability, or household situation may affect eligibility for assistance.
Family members often help parents or relatives explore programs that may reduce Medicare-related expenses.
We can help you understand the programs and point you toward the right next step. Final eligibility is determined by the appropriate government agency or state program.
We learn whether you are on Medicare, Medicaid, Extra Help, or struggling with premiums and prescriptions.
We explain Medicare Savings Programs, Extra Help, Medicaid, and dual-eligible options in plain language.
If appropriate, we help review Medicare Advantage, Part D, or dual-eligible plan options that may fit your needs.
You stay in control. We can help explain the process, but eligibility decisions come from the proper program or agency.
If you decide to apply for assistance, you may need basic information about income, resources, Medicare coverage, and household details.
We explain Medicare Savings Programs, Medicaid, Extra Help, and dual-eligible options in simple language.
We can help review Part D or Medicare Advantage prescription coverage if drug costs are a concern.
We help compare Medicare plan options that may fit your benefits, doctors, prescriptions, and budget.
No cost. No obligation. Just straightforward Medicare guidance from a licensed agent.
Get help understanding Medicare Savings Programs, Medicaid, Extra Help, and plan options that may help reduce healthcare expenses.
Have questions about Medicare enrollment, plan options, costs, or benefits? Our licensed Medicare agents are here to help you understand your options and compare plans that may fit your healthcare needs and budget.
Whether you’re turning 65, reviewing your current coverage, moving to a new plan, or exploring savings programs, we’re here to provide simple, no-pressure guidance.
Fill out the form to get help from a local Medicare advisor at no cost to you
A Medicare Savings Program is a state-run program that may help people with limited income and resources pay certain Medicare costs, such as Medicare Part B premiums and, in some cases, deductibles, copays, and coinsurance.
A Medicare Savings Program is a state-run program that may help people with limited income and resources pay certain Medicare costs, such as Medicare Part B premiums and, in some cases, deductibles, copays, and coinsurance.
Yes. Extra Help is specifically designed for Medicare beneficiaries who need help with prescription drug costs. Some people automatically qualify if they have Medicaid, SSI, or help from a Medicare Savings Program.
Yes, some Medicare Savings Programs may help pay the Medicare Part B premium if you meet your state’s income and resource rules.
They are related but not always the same. Medicaid is a broader health coverage program, while Medicare Savings Programs are designed to help eligible Medicare beneficiaries with certain Medicare costs.
Yes. Some people qualify for both Medicare and Medicaid. This is often called dual eligibility, and it may provide access to additional support and plan options.
Final eligibility is determined by the appropriate state Medicaid office, Social Security, or government program based on your income, resources, state, and program rules.
No. There is no cost or obligation to speak with Medicare Plan Assistance about Medicare Savings Programs, Extra Help, Medicaid, or available Medicare plan options.
Disclaimer: Medicare Savings Program, Medicaid, Extra Help, and assistance program eligibility rules vary by state, income, resources, household size, and program requirements. Final eligibility is determined by the appropriate government agency or state program.
We are not affiliated with or endorsed by Medicare, Medicaid, Social Security, the federal government, or any specific insurance carrier. This is a solicitation for insurance. A licensed insurance agent may contact you. Medicare plan availability, premiums, benefits, provider networks, drug formularies, pharmacies, and enrollment rules vary by state, county, ZIP code, carrier, and plan year.