Get Help Paying Costs With Medicare Extra Help and Savings Programs

You may qualify for programs that help pay Medicare premiums, prescription drug costs, copays, deductibles, and other healthcare expenses. Get help understanding Medicare Savings Programs, Medicaid, and Extra Help.

✔ Medicare premium help ✔ Prescription cost assistance ✔ Licensed Medicare guidance

See If You May Qualify for Help

Many Medicare beneficiaries do not realize there may be programs that help lower monthly Medicare costs. Depending on your income, resources, state, and eligibility, assistance may be available.

What Is a Medicare Savings Program?

Medicare Savings Programs are state-run programs that may help people with limited income and resources pay certain Medicare costs. Depending on the program and eligibility rules in your state, help may be available for premiums and other out-of-pocket expenses.

Part B Premium Help

Copay Help

Deductible Help

Extra Help Connection

These programs can be especially valuable for seniors and Medicare beneficiaries who are struggling with healthcare costs, prescription expenses, or monthly bills.

Medicare Savings Programs may help with:

Medicare Part B monthly premium
Medicare Part A premium in some cases
Deductibles, copays, and coinsurance depending on the program
Automatic qualification for Extra Help in some situations
Lower out-of-pocket Medicare costs

Common Medicare Savings Program Categories

Medicare Savings Programs can have different categories. Exact eligibility and benefits vary by state.

Program	What It May Help Pay	What to Know
QMB	May help pay Part A and/or Part B premiums, deductibles, coinsurance, and copays.	Often provides the strongest Medicare cost-sharing help for eligible beneficiaries.
SLMB	May help pay the Medicare Part B premium.	Designed for people who meet specific income and resource limits.
QI	May help pay the Medicare Part B premium.	Often first-come, first-served each year and may require annual application.
QDWI	May help certain disabled working individuals pay the Part A premium.	Applies to a more specific group of Medicare beneficiaries.

What Is Medicare Extra Help?

Extra Help is a program that may help people with limited income and resources pay Medicare prescription drug costs. It can help lower Part D premiums, deductibles, and copays depending on eligibility.

Lower Drug Costs

Extra Help may reduce how much you pay for covered prescription medications.

Part D Premium Help

Extra Help may assist with monthly prescription drug plan premiums depending on the plan and eligibility.

Lower Deductibles

Some people who qualify may have reduced or eliminated Part D deductibles.

You may automatically qualify for Extra Help if you have:

Medicaid, Medicare, and Dual Eligibility

Some people qualify for both Medicare and Medicaid. This is often called being dual eligible. If you qualify, you may be able to receive help with healthcare costs, prescription drugs, and other benefits.

Medicare

Federal health insurance for people 65 or older and certain younger people with disabilities or qualifying conditions.

Medicaid

A joint federal and state program that may help people with limited income and resources pay for healthcare and long-term care services.

Dual Eligible Plans

Some Medicare Advantage plans are designed for people who have both Medicare and Medicaid, often called D-SNP plans.

Extra Support

Depending on your state and eligibility, you may receive help with premiums, copays, prescriptions, and additional benefits.

What Kind of Help Could You Receive?

Benefits depend on the program, your state, and your eligibility. However, many people apply because they need help lowering monthly Medicare costs.

Lower Medicare Premiums

Some programs may help pay your Part B premium, which can put money back into your monthly budget.

Lower Prescription Costs

Extra Help may reduce the cost of covered medications and lower drug plan expenses.

Reduced Copays

Depending on eligibility, certain programs may help reduce copays, coinsurance, and deductibles.

Extra Benefits

Some people with Medicaid or dual eligibility may have access to Medicare Advantage plans with additional benefits.

Dental, Vision, or Hearing

Some plan options may include dental, vision, or hearing benefits, depending on plan availability and eligibility.

Less Financial Stress

Lowering healthcare costs may help seniors better manage groceries, utilities, housing, and other monthly expenses.

Who Should Ask About Medicare Savings Programs?

You may want to ask about these programs if Medicare costs are making it harder to manage your monthly budget.

You Struggle With Premiums

If the Part B premium makes your monthly budget tight, a Medicare Savings Program may be worth reviewing.

Your Prescriptions Are Expensive

If your medication costs are difficult to afford, Extra Help may be an important option to explore.

You Have Limited Income

If your income and resources are limited, there may be state or federal programs available to help.

You Have Medicaid

If you already have Medicaid, you may qualify for additional Medicare support or dual-eligible plan options.

You Recently Lost Income

A change in income, retirement, disability, or household situation may affect eligibility for assistance.

You Are Helping a Loved One

Family members often help parents or relatives explore programs that may reduce Medicare-related expenses.

How the Process Works

We can help you understand the programs and point you toward the right next step. Final eligibility is determined by the appropriate government agency or state program.

Tell Us Your Situation

We learn whether you are on Medicare, Medicaid, Extra Help, or struggling with premiums and prescriptions.

Review Possible Programs

We explain Medicare Savings Programs, Extra Help, Medicaid, and dual-eligible options in plain language.

Compare Medicare Plan Options

If appropriate, we help review Medicare Advantage, Part D, or dual-eligible plan options that may fit your needs.

You Choose the Next Step

You stay in control. We can help explain the process, but eligibility decisions come from the proper program or agency.

What Information May Be Needed?

If you decide to apply for assistance, you may need basic information about income, resources, Medicare coverage, and household details.

Helpful information may include:

Medicare card information
Social Security or income details
Medicaid, SSI, or assistance program information, if applicable
Prescription drug plan or Medicare Advantage plan details
Monthly medication costs
State and ZIP code

How Medicare Plan Assistance Can Help

Clear Program Explanations

We explain Medicare Savings Programs, Medicaid, Extra Help, and dual-eligible options in simple language.

Prescription Cost Review

We can help review Part D or Medicare Advantage prescription coverage if drug costs are a concern.

Plan Comparison Support

We help compare Medicare plan options that may fit your benefits, doctors, prescriptions, and budget.

Simple, No-Pressure Guidance

No cost. No obligation. Just straightforward Medicare guidance from a licensed agent.

You May Be Missing Benefits That Could Lower Your Costs

Get help understanding Medicare Savings Programs, Medicaid, Extra Help, and plan options that may help reduce healthcare expenses.

Speak With a Licensed Medicare Agent Today

Have questions about Medicare enrollment, plan options, costs, or benefits? Our licensed Medicare agents are here to help you understand your options and compare plans that may fit your healthcare needs and budget.

Whether you’re turning 65, reviewing your current coverage, moving to a new plan, or exploring savings programs, we’re here to provide simple, no-pressure guidance.

Request Your Medicare Consultation

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Frequently Asked Questions

What is a Medicare Savings Program?

A Medicare Savings Program is a state-run program that may help people with limited income and resources pay certain Medicare costs, such as Medicare Part B premiums and, in some cases, deductibles, copays, and coinsurance.

What is Medicare Extra Help?

Can I get Extra Help if I already have Medicare?

Yes. Extra Help is specifically designed for Medicare beneficiaries who need help with prescription drug costs. Some people automatically qualify if they have Medicaid, SSI, or help from a Medicare Savings Program.

Can a Medicare Savings Program help pay my Part B premium?

Yes, some Medicare Savings Programs may help pay the Medicare Part B premium if you meet your state’s income and resource rules.

Are Medicaid and Medicare Savings Programs the same?

They are related but not always the same. Medicaid is a broader health coverage program, while Medicare Savings Programs are designed to help eligible Medicare beneficiaries with certain Medicare costs.

Can I have both Medicare and Medicaid?

Yes. Some people qualify for both Medicare and Medicaid. This is often called dual eligibility, and it may provide access to additional support and plan options.

Who decides if I qualify?

Final eligibility is determined by the appropriate state Medicaid office, Social Security, or government program based on your income, resources, state, and program rules.

Is there a fee to get help understanding Medicare Savings Programs?

No. There is no cost or obligation to speak with Medicare Plan Assistance about Medicare Savings Programs, Extra Help, Medicaid, or available Medicare plan options.

Related Medicare Resources

Medicare Extra Help

Medicaid & Savings Programs

Medicare Part D Prescription Plans

Medicare Advantage Plans

Utility Bill Assistance

Contact Medicare Plan Assistance

Disclaimer: Medicare Savings Program, Medicaid, Extra Help, and assistance program eligibility rules vary by state, income, resources, household size, and program requirements. Final eligibility is determined by the appropriate government agency or state program.

We are not affiliated with or endorsed by Medicare, Medicaid, Social Security, the federal government, or any specific insurance carrier. This is a solicitation for insurance. A licensed insurance agent may contact you. Medicare plan availability, premiums, benefits, provider networks, drug formularies, pharmacies, and enrollment rules vary by state, county, ZIP code, carrier, and plan year.

Medicare Savings Program