If you meet certain income and resource limits, you may qualify for a program called
from Medicare to pay the prescription costs, premiums, deductibles, and coinsurance of Medicare drug coverage.
Some people pay only a portion of their Medicare drug plan premiums and deductibles based on their income level.
If you don't qualify for Extra Help, your state may have programs that can help with drug coverage costs. Contact your Medicaid office or your State Health Insurance Assistance Program (SHIP) for more information. Remember, you can reapply for Extra Help at any time if your income and resources change.
Countable resources include:
- Money in a checking or savings account
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
- Other household and personal items
Some people automatically qualify for help with prescription costs
You automatically qualify for lower prescription costs through Extra Help if you have Medicare and meet any of these conditions:
- Have full coverage
- Get help from your state Medicaid program paying your Part B premiums (from a Medicare Savings Program)
- Get benefits
Even if you automatically qualify this year, you may not qualify for Extra Help next year. Changes in your income or resources may cause you no longer to qualify for lower prescription drug costs through one of the programs listed above. You’ll get a notice (on grey paper) by the end of September if you no longer automatically qualify. Even if you get this notice, you may still qualify for help with prescription costs, but you need to apply to find out.
- If your copayment amounts change next year, you'll get a notice (on orange paper) in the mail in early October with the new amounts.
- If you don't get a notice from Medicare, you'll get the same level of Extra Help that you got for this year.
Paying the right amount for prescription drug coverage
If you're not sure if you're paying the right amount, call your drug plan. Your plan may ask you to give information to help them check the level of Extra Help you should get.
Can I get money back if I've been paying too much?
If you paid for prescriptions since you qualified for Extra Help and you aren't enrolled in Medicare drug coverage, you may be able to get some money back. Keep receipts with your prescription drug prices, and call your plan. Or, you can contact
Other ways to lower prescription costs
- Look into generic drugs. Ask your doctor if there are generics that will work as well as your current brand-name drugs.
- Ask your doctor about less expensive brand-name drugs for lower prescription prices.
- Consider using mail-order pharmacies.
- Use the Medicare Plan Finder to compare Medicare drug plans to find a plan with lower prescription costs.
- Find out if your state offers help paying for drug costs.
- Find out if the company that makes your drug offers help paying for it.