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Nearly 1 in 4 Medicare beneficiaries qualifies for a Medicare Savings Program but doesn't know it. These programs can save you $2,000â$3,000 per year or more.
Medicare Savings Program Eligibility Check
Medicare Savings Program Comparison (2026)
| Program | Income Limit (Single) | Income Limit (Couple) | What It Covers |
|---|---|---|---|
| QMB Qualified Medicare Beneficiary | ⤠100% FPL ⤠$15,650/yr | ⤠100% FPL ⤠$21,150/yr | Part A + B premiums, deductibles, coinsurance, copays |
| SLMB Specified Low-Income Medicare Beneficiary | 101â120% FPL $15,651â$18,780/yr | 101â120% FPL $21,151â$25,380/yr | Part B premium only ($202.90/mo) |
| QI Qualifying Individual | 121â135% FPL $18,781â$21,128/yr | 121â135% FPL $25,381â$28,553/yr | Part B premium only ($202.90/mo) |
FPL = Federal Poverty Level. 2026 FPL: $15,650 (single), $21,150 (couple). Asset limits also apply â check with your state. Many states have higher income and asset limits than the federal minimums shown above.
Frequently Asked Questions
Apply through your state Medicaid office or contact your local Social Security office. You can also apply online in many states. The application process typically takes 45â90 days. Applying for Extra Help (LIS) through Social Security automatically screens you for MSPs.
Yes, but many states have eliminated asset tests or set them very high. At the federal level, asset limits vary by program. However, your home, one car, household items, and personal belongings typically do not count. Contact your state Medicaid office for exact limits in your state.
QMB does not change which doctors you can see or what Medicare covers â it just eliminates your cost-sharing. By law, providers who accept Medicare cannot bill QMB members for Medicare cost-sharing amounts. If a provider bills you, report it to 1-800-MEDICARE.
Extra Help (also called Low Income Subsidy or LIS) is a separate federal program that helps with Part D prescription drug costs. QMB, SLMB, and QI members automatically qualify for Extra Help. You can apply directly through Social Security at ssa.gov.
Yes. Medicare Savings Programs apply to all Medicare beneficiaries, whether they're in Original Medicare or Medicare Advantage. QMB, SLMB, and QI will still pay your Part B premium, which all MA enrollees must pay.
Disclaimer: MedicareBudget provides Medicare cost calculators and educational information for informational purposes only. This is not medical advice, legal advice, or a substitute for licensed professional guidance. Always verify current figures at Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). Contact: contact@medicarebudget.net