Programs Providing Extra Help

Part D Extra Help (Low Income Subsidy)

The Low Income Subsidy Program (LIS) is designed to help Medicare beneficiaries with extra help paying their Part D Premium, Deductibles and Co-pays. To qualify for this program, beneficiaries must meet income and asset guidelines and must have Medicare Part A, Medicare Part B or both. This extra help is available through both Part D stand alone programs as well as Medicare Advantage Programs that include drug coverage.

Who is eligible?

If you are already receiving SSI (Supplemental Security Income) or Medicaid, you automatically qualify for the Extra Help and it is not necessary to apply. Otherwise, individuals must meet income and asset guidelines as listed below:

Individuals Couples
Monthly Income (before deductions) $1479 $1986
Assets/Resources* $13,440 $26,860

*Assets/Resources include accounts, certificates of deposit, IRA’s, stocks, bonds and property other than your home. They do not include your home or your car.

Extra Help eliminates the coverage gap (donut hole) with Part D programs.

Applications are available at Social Security Online or paper applications with assistance available through your local SHIP office.

Medicare Savings Programs

Medicare Savings Programs are federal and state funded programs that provide help paying Medicare costs for those individuals who may not qualify for Medicaid.

Who is eligible?

Those with incomes below 135% Federal Poverty Guidelines and/or those with assets below $7,160 for single and $10,750 for couple.

Program Income Limit** Assets* What it Pays
QMB (Qualified Medicare Beneficiary) $993/single
$1,331/couple

(100% Federal Poverty Level or lower)
$7,160/single*
$10,750/couple
  • Part A premium
  • Part B premium
  • 20% coinsurance
  • Part A & B deductibles
  • Cost share for Medicare Advantage
  • Full extra help for Part D Plans
SLMB (Specified Low-Income Medicare Beneficiary) $1,187/single
$1,593/couple

(120% Federal Poverty Level or lower)
$7,160/single*
$10,750/couple*
  • Part B monthly premium
  • Full extra help for Part D plans
QI-1 (Qualified Individual-1) $1,333/single
$1,790/couple

(135% Federal Poverty Level or lower)
$7,160/single
$10,750/couple
  • Part B monthly premium
  • Full extra help for Part D plans

*Figures accurate as of March 24, 2014.

Applications and assistance available through local SHIP Office.