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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 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.

QMB income & resource limits in 2015:

Individual monthly income limit*

$1,001

Married couple monthly income limit*

$1,348

Individual resource limit

$7,280

Married couple resource limit

$10,930

Program helps pay for:

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

SLMB income & resource limits in 2015:

Individual monthly income limit*

$1,197

Married couple monthly income limit*

$1,613

Individual resource limit

$7,280

Married couple resource limit

$10,930

Program helps pay for:

Part B premiums only

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 2015:

Individual monthly income limit*

$1,345

Married couple monthly income limit*

$1,813

Individual resource limit

$7,280

Married couple resource limit

$10,930

Program helps pay for:

Part B premiums only

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 2015:

Individual monthly income limit*

$1,962

Married couple monthly income limit

$2,655

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 2016. 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.

What items are included in the Medicare Savings Program resource limits?

Countable resources include:

  • Money in a checking or savings account
  • Stocks
  • Bonds

Countable resources don't include:

  • Your home
  • One car
  • Burial plot
  • Up to $1,500 for burial expenses if you have put that money aside
  • Furniture
  • Other household and personal items

How do I apply for Medicare Savings Programs?

If you answer yes to these 3 questions, call your State Medicaid Program to see if you qualify for a Medicare Savings Program in your state:

  1. Do you have, or are you eligible for, Part A?
  2. Is your income for 2015 at, or below, the income limits above?
  3. Do you have limited resources, below the limits above?

It's important to call or fill out an application if you think you could qualify for savings—even if your income or resources are higher than the amounts listed here.

How can I keep my costs down?