The four Medicare Savings Programs help eligible beneficiaries pay for Medicare costs through state assistance. These programs can cover Part A and Part B premiums, deductibles, coinsurance, and copayments depending on which program you qualify for.
The Qualified Medicare Beneficiary (QMB) Program provides the most comprehensive coverage, paying for Part A premiums, Part B premiums, and all Medicare deductibles, coinsurance, and copayments for covered services.
The Specified Low-Income Medicare Beneficiary (SLMB) Program helps pay Part B premiums only. You must have both Part A and Part B to qualify for this program.
The Qualifying Individual (QI) Program also covers Part B premiums only and requires enrollment in both Part A and Part B. This program has limited funding and operates on a first-come, first-served basis each year.
The Qualified Disabled and Working Individuals (QDWI) Program helps pay Part A premiums for disabled individuals under age 65 who lost their premium-free Part A when they returned to work.
Each program has specific income and resource limits that increase annually. You apply through your state Medicaid office, which determines your eligibility.