Medicare Savings Programs

Last updated: 27 May 2026 Bottom Line: In New York, a Medicare Savings Program (MSP) can pay your Medicare Part B premium. If you qualify for Qualified Medicare Beneficiary (QMB), it can also protect you from Medicare deductibles, coinsurance, and copays for Medicare-covered care. New York’s 2026 MSP limits are higher than the federal minimums, … Read more

Last updated: May 27, 2026 Bottom line: Connecticut does not run a separate state-only Medicare Savings Program outside the regular Medicare Savings Program system. The Connecticut Department of Social Services (DSS) runs three public MSP levels: QMB, SLMB, and ALMB. The current income limits started on March 1, 2026. For these three levels, Connecticut does … Read more

Last updated: May 27, 2026 Bottom line: Delaware Medicare Savings Programs can help low-income people with Medicare pay the Part B premium. The Qualified Medicare Beneficiary program, often called QMB, can also protect a senior from most Medicare-covered deductibles, coinsurance, and copays. The fastest starting point is usually Delaware ASSIST, but free help is also … Read more

Last updated: May 6, 2026 Bottom line: Florida does not run a separate Florida-only Medicare Savings Program. Florida uses the federal Medicare Savings Programs through Medicaid. The DCF Medicaid page explains that DCF decides eligibility, and the AHCA Medicaid page covers the agency that runs Medicaid services. If Florida pays only your Part B premium, … Read more

Last updated: 27 May 2026 Bottom line: Georgia does not have a separate Georgia-only Medicare Savings Program. Georgia uses Medicaid to run the federal Medicare Savings Programs. These programs can pay Medicare premiums, and the Qualified Medicare Beneficiary program can also stop most Medicare cost-sharing bills for covered care. The fastest ways to start are … Read more

Last updated: May 27, 2026 Bottom Line: Idaho does not have a separate Idaho-only senior premium program outside the standard Medicare Savings Programs. The main help is through the Idaho MSP page run by the Idaho Department of Health and Welfare. These programs can pay your Medicare Part B premium, and QMB can also protect … Read more

Last updated: May 27, 2026 Bottom line: Hawaii Medicare Savings Programs are handled by the Department of Human Services Med-QUEST Division. If your income and savings are limited, Med-QUEST can screen you for Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), or Qualified Disabled and Working Individual (QDWI). These programs can … Read more

Last updated: 27 May 2026 Bottom line: Illinois Medicare Savings Programs can help pay Medicare costs for people with limited income and assets. Most Illinois seniors start through the state ABE application, by phone at 1-800-843-6154, or through a local FCRC. The 2026 Illinois chart lists QMB, SLIB or SLMB, and QI limits, and it … Read more

Last updated: 27 May 2026 Bottom line: Indiana Medicare Savings Programs can help people with Medicare and limited income pay some Medicare costs. Indiana uses higher 2026 income limits than the basic federal chart many people see first. QMB gives the strongest help because it can pay the Part B premium and stop most bills … Read more

Last updated: May 27, 2026 Bottom Line: Iowa does not have a separate county-run senior premium-help program outside Medicaid’s Medicare Savings Program. The main help for low-income older adults is through Iowa Department of Health and Human Services (Iowa HHS). One Iowa Medicaid application can screen you for the right MSP tier. Use the HHS … Read more

Last updated: 27 May 2026 Bottom line: Kansas uses the regular Medicare Savings Programs through KanCare. These programs can pay your Medicare Part B premium. The strongest one, QMB, can also protect you from Medicare-covered deductibles, coinsurance, and copays. Start with the Kansas Medicare Savings Program application, even if you are close to the income … Read more

Last updated: 27 May 2026 Bottom line: Kentucky does offer Medicare Savings Programs. They are handled through Kentucky Medicaid, usually through kynect benefits, DCBS, or the paper application route. The strongest level for many seniors is Qualified Medicare Beneficiary, or QMB, because it can pay Medicare premiums and protect you from many Medicare cost-sharing bills. … Read more

Last updated: 27 May 2026 Bottom Line: Louisiana does not have a separate Louisiana-only senior Medicare Savings Program. The state MSP page says Louisiana Medicaid uses the four standard Medicare Savings Programs: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled and Working Individual (QDWI). These programs can pay … Read more

Last updated: 27 May 2026 Bottom line: Maine’s Medicare Savings Program can lower Medicare costs for many seniors and disabled adults. In Maine, the two main current levels are Qualified Medicare Beneficiary (QMB) and Qualifying Individual (QI). QMB can pay the Part B premium and Medicare-covered cost sharing. QI usually pays the Part B premium … Read more

Last updated: 27 May 2026 Bottom Line: Maryland uses its Medicaid Medicare Savings Program to help some Medicare members pay Medicare costs. The state decides whether you fit Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), or Qualified Disabled and Working Individual (QDWI). The best first step for most adults age … Read more

Last updated: May 5, 2026 Bottom line: In Massachusetts, MassHealth Medicare Savings Programs can help people with Medicare pay some Medicare costs. For 2026, the main public income ceiling reaches 225% of the federal poverty level for SLMB/QI, and Massachusetts removed the asset test for QMB, SLMB, and QI. If you were told years ago … Read more

Last updated: May 6, 2026 Bottom line: In Michigan, Medicare Savings Programs are handled by the MDHHS. Most people apply through MI Bridges or the state health coverage application. The right program may pay the 2026 Part B premium of $202.90 per month. If you qualify for QMB, it can also protect you from most … Read more

Last updated: 27 May 2026 Bottom Line: Minnesota Medicare Savings Programs help people with Medicare and limited income pay some Medicare costs. The main programs are QMB, SLMB, QI, and QWD. For most Minnesota seniors, the safest first step is to use the DHS-3876 form and send it to the right county or tribal office. … Read more

Last updated: May 27, 2026 Bottom line: Mississippi Medicare Savings Programs are handled by the Mississippi Division of Medicaid (DOM). The state usually calls this help Medicare cost-sharing. If you qualify, Mississippi may pay your Medicare Part B premium. The standard Part B premium is $202.90 per month in 2026, so this can put real … Read more

Last updated: May 27, 2026 Bottom Line: Missouri Medicare Savings Programs can help pay Medicare costs for people with limited income and limited resources. The main help is payment of the Part B premium. If you qualify for Qualified Medicare Beneficiary (QMB), Missouri can also protect you from most Medicare deductibles, coinsurance, and copays for … Read more

Last updated: 27 May 2026 Bottom Line: Montana uses the regular Medicare Savings Programs, not a separate state-only program. The main programs are Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and the related Qualified Disabled and Working Individual (QDWI) program. They are handled through the Office of Public Assistance, the … Read more

Last updated: May 27, 2026 Bottom line: If you have Medicare and low income in Nebraska, apply through Nebraska DHHS and ask to be screened for every Medicare Savings Program. These programs can help pay Medicare premiums. The Qualified Medicare Beneficiary (QMB) program can also stop many Medicare-covered copays, coinsurance, and deductibles from being billed … Read more

Last updated: May 27, 2026 Bottom Line: Nevada Medicare Savings Programs can help low-income people with Medicare pay some Medicare costs. The strongest level is Qualified Medicare Beneficiary (QMB), because it can pay Medicare premiums and stop most bills for Medicare-covered deductibles, coinsurance, and copays. Nevada handles these programs through the state Medicaid system, not … Read more

Last updated: 27 May 2026 Bottom Line: If you have Medicare and a limited income in New Hampshire, a Medicare Savings Program may pay your Medicare Part B premium. If you qualify for Qualified Medicare Beneficiary, also called QMB, it may also protect you from Medicare deductibles, coinsurance, and copayments for Medicare-covered care. In New … Read more

Last updated: May 27, 2026 Bottom line: New Jersey uses the federal Medicare Savings Programs, but most seniors do not start with a generic Medicaid form. For Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualifying Individual (QI), start with the NJSave page. QMB gives the most help. SLMB and QI mainly pay … Read more

Last updated: 27 May 2026 Bottom Line: New Mexico Medicare Savings Programs can pay the Medicare Part B premium for seniors with limited income. The strongest program, Qualified Medicare Beneficiary (QMB), can also stop Medicare cost-sharing bills for covered care. New Mexico says resource guidelines no longer apply to QMB, Specified Low-Income Medicare Beneficiary (SLMB), … Read more

Last updated: 27 May 2026 Bottom Line: Medicare Savings Programs in North Carolina are handled through NC Medicaid. Most people apply through NC Medicaid apply page, ePASS, or their county DSS directory. The biggest help is payment of the 2026 Medicare Part B premium. CMS says the standard Part B premium is $202.90 a month … Read more

Last updated: May 27, 2026 Bottom line: North Dakota does not run a separate senior-only Medicare premium program. It uses the Medicare Savings Programs, often called Medicare Premium Assistance in state materials. These programs may pay your Medicare Part B premium. The strongest level, Qualified Medicare Beneficiary, may also protect you from many Medicare deductibles, … Read more

Last updated: 27 May 2026 Bottom line: Ohio runs Medicare Savings Programs through Medicaid as Medicare Premium Assistance Programs, often called MPAP. If you qualify, Ohio may pay your 2026 Medicare Part B premium of $202.90 per month. That is about $2,434.80 over a full year. The Qualified Medicare Beneficiary program, or QMB, can also … Read more

Last updated: May 27, 2026 Bottom line: Oklahoma Medicare Savings Programs can help people with low income pay Medicare costs. The strongest help is Qualified Medicare Beneficiary, often called QMB. QMB can pay the Part B premium and protect you from Medicare deductibles, coinsurance, and copays for Medicare-covered care. Oklahoma usually sends older adults through … Read more

Last updated: 27 May 2026 Bottom line: Oregon has Medicare Savings Programs that can pay some Medicare costs for people with limited income. The biggest Oregon rule is simple: the state says there are no asset limits for these programs. That means savings in the bank do not automatically stop an Oregon senior from getting … Read more

Last updated: 27 May 2026 Bottom line: Pennsylvania Medicare Savings Programs can pay your Medicare Part B premium. If you qualify for Qualified Medicare Beneficiary, or QMB, the help can also protect you from most Medicare cost-sharing bills. The key Pennsylvania detail is that QMB can mean two different paths: full Medical Assistance through Healthy … Read more

Last updated: May 27, 2026 Bottom line: Rhode Island runs Medicare Savings Programs through Medicaid under the state MPP page. The biggest 2026 rule is simple: as of February 1, 2026, many people who would have been in SLMB are now put into QMB instead. That can give stronger help with Medicare bills. If you … Read more

Last updated: 27 May 2026 Bottom line: In South Carolina, Medicare Savings Programs are handled through Healthy Connections Medicaid. They are not a separate senior grant. If you qualify, the state may pay your Medicare Part B premium. The strongest program, Qualified Medicare Beneficiary, can also protect you from many Medicare deductibles, copays, and coinsurance … Read more

Last updated: 27 May 2026 Bottom Line: South Dakota handles Medicare Savings Programs through the Department of Social Services and Medicaid. These programs can help people with Medicare pay the Part B premium. The Qualified Medicare Beneficiary program can also protect you from many Medicare-covered deductibles, coinsurance, and copays. Start with South Dakota Economic Assistance … Read more

Last updated: 27 May 2026 Bottom line: Tennessee Medicare Savings Programs can help pay Medicare costs for people with limited income and resources. You apply through TennCare, not through a separate senior office. The fastest starting point is TennCare Connect or TennCare Connect by phone at 1-855-259-0701. If your case is close to the income … Read more

Last updated: May 5, 2026 Bottom line: Texas uses the four Medicare Savings Programs: QMB, SLMB, QI, and QDWI. If HHSC approves you, one of these programs may pay Medicare premiums. QMB can also stop most Medicare-covered deductibles, coinsurance, and copay bills. Apply through Texas HHSC, not through a broker or health plan. For other … Read more

Last updated: 27 May 2026 Bottom Line: Utah calls Medicare Savings Programs “Medicare Cost-Sharing Programs.” They can help pay Medicare premiums. The Qualified Medicare Beneficiary program can also protect you from many Medicare-covered deductibles, coinsurance, and copays. Utah uses myCase and the Department of Workforce Services for most applications. Apply even if you are close … Read more

Last updated: 27 May 2026 Bottom Line: Vermont expanded Medicare Savings Program help on 1 January 2026. The two main Vermont paths for most older adults are QMB and QI-1. QMB can help with the Part B premium and Medicare cost-sharing. QI-1 helps with the Part B premium only. Vermont also says the Medicare Savings … Read more

Last updated: 27 May 2026 Bottom line: Medicare Savings Programs in Virginia can help low-income Medicare members pay Medicare costs. QMB gives the strongest help because it pays Medicare premiums and Medicare-covered deductibles, coinsurance, and copayments. SLMB and QI pay the Part B premium only. QDWI is for a smaller group of working people with … Read more

Last updated: May 27, 2026 Bottom line: Washington Medicare Savings Programs can help pay Medicare costs if your income is limited. The big Washington rule is simple: for MSP-only cases, there is no asset test. Savings in the bank do not decide MSP-only eligibility. Washington also uses its own 2026 income limits, so do not … Read more

Last updated: 27 May 2026 Bottom line: In West Virginia, Medicare Savings Programs are usually called Medicare Premium Assistance. They can help pay Medicare premiums. If you qualify for Qualified Medicare Beneficiary (QMB), they can also protect you from most Medicare deductibles, coinsurance, and copays for Medicare-covered care. The fastest starting points are WV PATH, … Read more

Last updated: 27 May 2026 Bottom line: Wisconsin Medicare Savings Programs can help low-income Medicare members pay some Medicare costs. The strongest help is Qualified Medicare Beneficiary (QMB), which can pay Medicare premiums and Medicare-covered cost-sharing. Wisconsin runs these programs through Medicaid and ForwardHealth. The fastest start is usually ACCESS or your local agency finder. … Read more

Last updated: May 27, 2026 Bottom line: Medicare Savings Programs can help Wyoming Medicare members with premiums and some out-of-pocket costs. In 2026, the standard Medicare Part B premium is $202.90 per month. If Wyoming approves you for Qualified Medicare Beneficiary (QMB), Medicare providers generally cannot bill you for Medicare-covered deductibles, coinsurance, or copayments. Apply … Read more

Last updated: 27 May 2026 Bottom Line: Colorado Medicare Savings Programs can help low-income Medicare members pay Medicare costs. The main path is through Health First Colorado, Colorado PEAK, and the county human services office. For many seniors, the first win is getting the monthly Part B premium paid. In 2026, the standard Medicare Part … Read more

Last updated: 27 May 2026 Bottom line: California uses Medi-Cal to run the federal Medicare Savings Programs: QMB, SLMB, QI, and QDWI. These programs can pay the 2026 Medicare Part B premium, which is $202.90 a month, and QMB can also protect you from Medicare deductibles, coinsurance, and copays for covered care. Start with BenefitsCal … Read more

Last updated: 27 May 2026 Bottom Line: Arkansas Medicare Savings Programs can help pay Medicare costs for people with limited income and resources. SMB, also called SLMB in many national guides, and QI-1 can pay the Part B premium. QMB can also protect you from Medicare-covered deductibles, coinsurance, and copays. Start with Access Arkansas, call … Read more

Last updated: 27 May 2026 Bottom line: In Arizona, Medicare Savings Programs are handled through AHCCCS. QMB is the strongest help because it can pay Medicare Part A and Part B premiums, deductibles, coinsurance, and copays for Medicare-covered care. SLMB and QI mainly pay the Part B premium. Arizona’s public AHCCCS Medicare Savings Program pages … Read more

Last updated: 27 May 2026 Bottom Line: Alaska Medicare Savings Programs can help pay Medicare costs for people with limited income and assets. The main programs are QMB, SLMB, QI, and QDWI. Most older adults are looking for QMB, SLMB, or QI. QMB gives the most help because it can pay the Part B premium … Read more

Last updated: May 27, 2026 Bottom line: If you have the Qualified Medicare Beneficiary (QMB) program, Medicare providers usually cannot bill you for Medicare Part A or Part B deductibles, coinsurance, or copayments on Medicare-covered care. This rule also matters for many Medicare Advantage services. If a bill arrives, do not assume it is right. … Read more

Last updated: May 5, 2026 Bottom line: Alabama uses the federal Medicare Savings Programs to help some Medicare members pay Medicare costs. For most seniors, the main help is QMB, SLMB, or QI. Alabama does not count resources for QMB, SLMB, or QI, so savings alone should not stop you from applying. Use Alabama Form … Read more