Glossary
Medicare Savings Programs
Medicare Savings Programs are state-run programs that help people with limited income pay their Medicare costs — most often the Part B premium, and sometimes deductibles and coinsurance. There are several levels, each with its own income limits, and qualifying for one usually also gets you Extra Help for drug costs.
The programs go by initials — QMB, SLMB, and QI — and which one you qualify for depends on your income and resources. The most comprehensive level can cover the Part B premium along with deductibles and coinsurance; others focus on paying the Part B premium alone.
You apply through your state Medicaid office. Because qualifying typically enrolls you in Extra Help as well, a single application can lower both your medical and drug costs.
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