Medicare Savings Programs by State

A Medicare Savings Program is a state-run program that uses Medicaid funds to help pay your Medicare costs when your income is limited. Depending on the program, it can cover your Part B premium of $202.90 per month and, in some cases, your deductibles, copays, and coinsurance.

There are four: the Qualified Medicare Beneficiary (QMB) program, which pays the most; the Specified Low-Income Medicare Beneficiary (SLMB) program; the Qualifying Individual (QI) program; and the Qualified Disabled and Working Individuals (QDWI) program. Each has its own income and asset limits, and you apply through your state Medicaid office.

Eligibility is based on your monthly income and countable assets, and the 2026 limits vary by program and by state. Some states have raised their limits or dropped the asset test entirely. Because the thresholds change each year and differ by state, it is worth checking even if you were over the limit before.

At a minimum, every Medicare Savings Program pays your monthly Part B premium, which puts about $202.90 back in your pocket each month in 2026. The QMB program goes further and also covers your Medicare deductibles, copays, and coinsurance. Qualifying for any of them also automatically enrolls you in Extra Help for prescription drugs.

You apply through your state Medicaid office, online, by phone, or in person. You will need proof of income and, in most states, your assets. A licensed Advocate can confirm which program you likely qualify for and walk you through the application at no cost.