Although Medicare offers terrific coverage, beneficiaries do have some out-of-pocket costs under the program. Those costs can add up quickly, particularly if you have a chronic condition. Luckily, if you meet the conditions, your state may cover these costs. This post tells you how to qualify for Medicare state assistance programs. In addition, we provide links to each state’s Medicaid program. Let’s get started.
The Four Medicare Savings Programs
There are four Medicare Savings Programs (MSP), each with its own qualifications and benefits. They are:
- Qualified Medicare Beneficiary (QMB) Program
- Special Low-Income Medicare Beneficiary (SLMB) Program
- Qualifying Individual (QI) Program
- Qualified Disabled and Working Individuals (QDWI) Program
If you are still employed, you may qualify for these programs even if your income exceeds the following limits.
Qualifying for QMB, SLMB, or QI means you also qualify for Extra Help.
QI Program Additional Requirements
To qualify for the QI Program, you must apply every year. Applicants are considered on a first come, first served basis, with previous beneficiaries given priority status. If you qualify for Medicaid, you cannot receive QI benefits.
QDWI Program Additional Requirements
To qualify for the QDWI Program, at least one of the following must apply to you:
- Have a disability, are under age 65, and employed
- Had premium-free Part A but lost it when you went back to work
- Do not receive state-sponsored medical assistance
- Meet the income and resource limits per state guidelines
The Qualified Disabled and Working Individuals Program is the only one that does not automatically qualify you for Extra Help.
What Qualifies as Resources?
To determine whether you qualify, the Medicare Savings Programs look at your resources. Countable resources include money in a checking or savings account as well as stocks and bonds.
The following items are not countable resources:
- Your home
- One vehicle
- Burial plot
- Savings for burial expenses (up to $1,500)
- Furniture and other household items
If you meet the resource and income limits and have or are eligible for Medicare Part A, you can apply for Medicare Savings Programs through your state Medicaid program. If you think you should qualify but your income or resources exceed these limits, please call or complete the application (links provided below).
Do you have questions about your Medicare coverage and options? Just call us toll-free at 855-350-8101. One of our licensed agents is ready and waiting to assist you.
Medicare Savings Programs by State
Find your state below and click the link the go to that state’s Medicaid site.
Alabama Medicaid offers three MSPs for qualified beneficiaries.
Alaska Department of Health and Social Services recommends completing the paper application (under the Apply section).
Arizona Health Care Cost Containment System (AHCCCS) offers applications for Medicare cost sharing and more.
Arkansas Medicaid provides a variety of information regarding its available programs.
California’s Medicaid program, Medi-Cal, offers a variety of services, but it can be overwhelming. Start with the following pages:
- Do You Qualify
- Medicare Part D
- Multipurpose Senior Services Program, for seniors who qualify for a nursing facility
- Senior Care Action Network, for dual-eligible seniors
Colorado Department of Health Care Policy and Financing (HCPF) offers four MSPs.
Connecticut HUSKY Health breaks coverage into letters (sound familiar?). HUSKY C applies to those who qualify for Medicare.
Delaware ASSIST is where you go to apply for Medicaid, check eligibility, and much more.
Florida Agency for Health Care Administration manages the state’s Medicaid program.
Georgia Medicaid offers a variety of programs based on age, disability status, and more.
Hawaii’s Medicaid program is called Med-QUEST and it offers a wide array of benefits.
Idaho beneficiaries get Medicaid coverage through the Department of Health and Welfare.
Illinois offers Medicare savings through the Application for Benefits Eligibility (ABE).
Indiana Medicaid is managed via the Family and Social Services Administration. Just click Medicare Assistance on the left-hand menu to see your options.
Iowa residents can apply for Medicaid under a variety of categories. Medicare assistance typically falls under the first program, IA Health Link.
Kansas Medicaid is known as KanCare and includes programs specific to those eligible for Medicare.
Kentucky Cabinet for Health and Family Services manages that state’s Medicaid program.
Louisiana Department of Health determines Medicaid eligibility by parish.
MaineCare operates that state’s Medicaid program and includes prescription drug assistance for Medicare beneficiaries.
Maryland Medicaid offers a variety of Medicare Savings Programs.
Massachusetts provides all services under its MassHealth program.
Michigan Medicaid covers a variety of healthcare assistance programs.
Minnesota Department of Human Services operates its Medicaid and healthcare programs for seniors.
Mississippi Division of Medicaid provides a variety of resources and programs for seniors.
Missouri offers a number of Medicare Cost Savings Programs via its Medicaid program.
Montana Medicaid includes dental and vision care, great ancillary coverage to Medicare.
Nebraska Department of Health and Human Services operates the state’s Medicaid program.
Nevada Medicaid provides benefits to Medicare beneficiaries. Scroll to the bottom of the page to learn more about the programs and apply online.
New Hampshire Medicaid offers a number of support services for seniors, including Medicare savings and Part D information.
New Jersey Medicaid operates under NJFamilyCare and provides coverage specific to residents who are eligible for Medicare.
New York Medicaid offers a great FAQ page that answers all of your questions and helps you determine eligibility.
North Carolina residents can determine eligibility for either Medicaid or Health Choice here. This is also where you choose the best program.
If you live in North Dakota and are over age 65, apply for Medicaid here.
The Ohio Department of Medicaid offers a variety of programs for Medicare beneficiaries.
Oklahoma manages its Medicaid program under the name SoonerCare.
Oregon Medicaid offers a variety of services and programs for seniors and others who qualify for Medicare.
Pennsylvania Medicaid provides a number of healthcare programs designed around specific issues and age groups. Scroll to the bottom of the page to choose the right program.
Rhode Island’s Medicare Premium Payment Program is one of the state’s many programs and services.
Apply for Medicaid in South Carolina here.
South Dakota offers Medicare assistance via SHIINE: Senior Health Information & Insurance Education.
Tennessee makes it difficult to find information, but we finally found TennCare, the state’s name for its Medicaid program.
Texas Health and Human Services offers information on Medicare Savings Programs and more.
Utah Medicaid offers a variety of services for Medicare beneficiaries.
Vermont Green Mountain Care provides Medicaid services based on demographics such as age and health status.
Virginia recently expanded its Medicaid program and offers a plethora of information on its website.
Washington State provides Medicaid coverage through Apple Health.
West Virginia’s Medicaid page provides information on eligibility, coverage, expansion, and more.
Wisconsin’s Medicaid program offers special programs for Medicare beneficiaries.
Wyoming Medicaid allows applicants to apply online, review eligibility guidelines, and more.