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Medicare Savings Programs

You can get help from your state paying your Medicare premiums. In some cases, Medicare Savings Programs may also pay Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) deductibles, coinsurance, and copayments if you meet certain conditions. These conditions are listed below under “How do I apply for Medicare Savings Programs?”

4 kinds of Medicare Savings Programs

If you have income from working, you may qualify for these 4 programs even if your income is higher than the income limits listed below.

Qualified Medicare Beneficiary (QMB) Program         

QMB income & resource limits in 2018:

Individual monthly income limit*

$1,032

Married couple monthly income limit*

$1,392

Individual resource limit

$7,560

Married couple resource limit

$11,340

Program helps pay for:

  • Part A premiums
  • Part B premiums
  • Deductibles, coinsurance, and copayments

 

  Specified Low-Income Medicare Beneficiary (SLMB) Program

SLMB income & resource limits in 2018:

Individual monthly income limit*

$1,234

Married couple monthly income limit*

$1,666

Individual resource limit

$7,560

Married couple resource limit

$11,340

Program helps pay for:

Part B premiums only

 

Qualifying Individual (QI) Program

You must apply every year for QI benefits. QI applications are granted on a first-come, first-served basis, with priority given to people who got QI benefits the previous year. (You can’t get QI benefits if you qualify for Medicaid).

QI income & resource limits in 2018:

Individual monthly income limit*

$1,386

Married couple monthly income limit*

$1,872

Individual resource limit

$7,560

Married couple resource limit

$11,340

Program helps pay for:

Part B premiums only

 

Qualified Disabled and Working Individuals (QDWI) Program

The QDWI program helps pay the Part A premium. You may qualify if any of these apply to you:

  • You’re a working disabled person under 65
  • You lost your premium-free Part A when you went back to work
  • You aren’t getting medical assistance from your state
  • You meet the income and resource limits required by your state

QDWI income & resource limits in 2018:

Individual monthly income limit*

$4,132

Married couple monthly income limit

$5,572

Individual resource limit

$4,000

Married couple resource limit

$6,000

Program helps pay for:

Part A premiums only

If you qualify for a QMB, SLMB, or QI program, you automatically qualify to get Extra Help paying for Medicare prescription drug coverage.

Note

These amounts may increase in 2019. If your income and resources are slightly higher, you should still apply.

Note

*Limits are slightly higher in Alaska and Hawaii. If you have income from working, you may qualify for benefits even if your income is higher than the limits listed.

 

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