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Medicare 

Savings Programs

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​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. 

Overview of Medicare Savings Programs

Types of Medicare Savings Programs

You may be eligible for one of the four Medicare Savings Programs. Even if your income is slightly higher than the income limits listed, you should still apply because these amounts may increase yearly. If you earn income from work, you may still qualify for these programs even if your income exceeds the income limits.​

Qualified Medicare Beneficiary (QMB) Program

This program supports the payment of Medicare Part A and B premiums for individuals with an income 100% on the Federal Poverty Level (FPL). QMB Plus includes QMB's benefits as well as full Medicaid benefits.

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What It Covers: The program helps pay for Part A and B premiums, deductibles, coinsurance, and copayments.

​Specified Low-Income Medicare Beneficiary (SLMB) Program

This program pays the Part B premiums for individuals with incomes greater than 100% FPL but less than 120% FPL. SLMB Plus includes benefits from the SLMB program and full Medicaid benefits.

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What It Covers: The program helps pay for Part B premiums only.

​​​Qualifying Individual (QI) program

This program is for individuals receiving Medicare Part A benefits with incomes between 120% and 135% of the FPL. The amount given annually is not capped.

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What It Covers: The program helps pay for Part A premiums only.

​​​Qualified Disabled Working Individual (QDWI) program:

​I​f you return to work and lose your Medicare Part A coverage, you can buy back these benefits if your income is up to 200% of the FPL.

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What It Covers: The program helps pay for Part B premiums only.

Resource Limits for Medicare Savings Programs

Items That Count Towards Resource Limits​​

  • Money in a checking or savings account

  • Stocks

  • Bonds

  • 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​​

Items That Count Towards Resource Limits​​

Donation Jar

Need Assistance?

TWhite Insurance will help you better understand your Medicare coverage options.

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