Help with Medicare Costs

People with income below certain levels can get help with Medicare costs, their Medicare Part B premium, and even their co-pays for medical care.

Medicare help is provided by your state under the federally-funded Medicare Savings Program.

You apply for this Medicare help through your state Medicaid office.

Here are the 2019 income limits for the Medicare Savings Program:

QUALIFIED INDIVIDUAL (QI)

  • Individual monthly income limit:
  • $1,426   (includes $20 “income disregard”)
  • Married couple monthly income limit
  • $1,923   (includes $20 “income disregard”)
  • The state will pay a person’s Part B premium.

QUALIFIED MEDICARE BENEFICIARY (QMB)

  • Individual monthly income limit
  • $1,061   (includes $20 “income disregard”)
  • Married couple monthly income limit
  • $1,430  (includes $20 “income disregard”)

The state will pay:
– Part A premiums
– Part B premiums
– Deductibles, coinsurance, and copayments for medical care

In Arizona, people who qualify for QMB help are assigned a health plan by AHCCCS (Arizona Medicaid – pronounced “access”). That health plan will pay a person’s co-pays for doctor visits, labs, and hospital stays and other medical services.

People who qualify for QMB help can enroll in a Medicare Advantage plan that provides benefits that are not normally covered by Medicare such as: dental, hearing aids, glasses, and even a free gym membership.

For information on how to get this help, or how to get a “dual eligible” Medicare Advantage plan, call or email me.  520-820-8639

Medicare help in 2019 for drug costs

If your monthly income is below $1,561 (for a single person) or $2,114 for a couple, you may be eligible for Extra Help – a federal program that helps you pay for some or most of the cost of prescription drugs. 

If you apply for this Extra Help through the Social Security (ssa.gov) website, there are resource limits for getting this help.

If you apply for the Medicare Savings Program through your state, the state will get you signed up for Extra Help with your prescription costs.

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