If you have a limited income you may qualify for help paying all or part of your Medicare costs.  

The following is a list of Medicare Savings Plans (also known as “Medicaid”) that may provide assistance with your original Medicare Part A and/or Part B premiums, as well as the cost-sharing associated with original Medicare. The names of these programs and how they work may vary by state. If you have limited income and resources, you may be able to get help from your state to pay your Medicare costs if you meet certain conditions.

There are 4 levels of Medicare assistance:

  • Qualified Medicare Beneficiary (QMB) Program — helps pay for Part A and/or Part B premiums, deductibles, co-insurance, and copays.
  • Specified Low-Income Medicare Beneficiary (SLMB) Program — helps pay Part B premiums only.
  • Qualifying Individual (QI) Program — helps pay Part B premiums only. You must apply every year for QI benefits and the applications are granted on a first-come first-served basis.
  • Qualified Disabled and Working Individuals (QDWI) Program — helps pay Part A premiums only. You may qualify for this program if you have a disability and are working. (Note: most individuals do not have an original Medicare Part A premium because Part A has no cost if you or your spouse has worked for ten years.)

Can a Medicare Advantage plan help me if I have Medicaid?

Yes. Another way of keeping your medical costs down is by enrolling in a Medicare Advantage plan that coordinates with Medicaid. These plans keep your cost share low and offer extra benefits that Medicare and Medicaid don’t cover.

For example, a Medicare Advantage plan can offer some of the extra benefits below:

  • Routine Dental Benefits
  • Routine Vision Benefits
  • Money for Eyewear
  • Routine Hearing Benefits
  • Hearing Aids
  • Transportation
  • Worldwide Health Coverage

For assistance in enrolling in a Medicare supplement, Medicare Advantage or Prescription Drug Plan please contact a Benefit Specialist at Medicare Pathways. Our Benefit Specialists are highly trained to assist you in finding the most appropriate and most affordable plan in your area. Please call 1-866-466-9118 to review your options. You can also request a quote by clicking here.

For more information regarding Medicaid assistance you can call or visit your State Medicaid office and ask for information on Medicare Savings Programs. It is recommended that you call if you think you qualify for any of these programs, even if you are not sure. Each state has a different contact number for its Medicaid offices. You can call 1-800-MEDICARE (1 800 633 4227), and say “Medicaid.” TTY users should call 1 877 486 2048.

The qualifying income amounts listed above may change each year. Many states figure your income and resources differently, so you may qualify in your state even if your income or resources are higher than the amounts listed above. If you have income from working, you may qualify for benefits even if your income is higher than the limits above. Resources include money in a checking or savings account, stocks, bonds, mutual funds, and Individual Retirement Accounts (IRAs). Resources do not include your home, car, burial plot, burial expenses up to your state’s limit, furniture, or other household items. Some states don’t have any limits on resources.


Medicare Pathways, Inc. 1-866-466-9118