{"id":300,"date":"2015-08-04T09:17:48","date_gmt":"2015-08-04T13:17:48","guid":{"rendered":"https:\/\/medicarereport.org\/?page_id=300"},"modified":"2026-08-07T12:10:16","modified_gmt":"2026-08-07T16:10:16","slug":"medicare-savings-program","status":"publish","type":"page","link":"https:\/\/medicarereport.org\/?page_id=300","title":{"rendered":"Medicare Savings Program"},"content":{"rendered":"<p>Similar to Extra Help, there is also the \u201cMedicare Savings Program\u201d. The main difference is that Extra Help is specifically for prescription drugs, while the Medicare Savings Program is to assist beneficiaries who have limited income and resources with their other Medicare costs. This program is not available in Puerto Rico and the U.S. Virgin Islands (DHHS, 2014).<\/p>\n<p>There are four types of Medical Savings Programs. The Qualified Medicare Beneficiary (QMB) Program assists beneficiaries with paying for Part A and\/or Part B premiums, deductibles, coinsurance and copayments (DHHS, 2014). The monthly income limit for QMB for 2026:<\/p>\n<table class=\"table\" style=\"height: 128px;\" width=\"749\">\n<thead>\n<tr>\n<th class=\"\"><strong>Your situation:<\/strong><\/th>\n<th class=\"\"><strong>Monthly income limit:*<\/strong><\/th>\n<th class=\"\"><strong>Resource limit:<\/strong><br \/>\n<span class=\"help-drawer\" data-drawer-id=\"109301\" data-size=\"std\" data-title=\"What counts in resource limits?\" data-content=\"&amp;lt;div class=&quot;help-drawer__content &quot;  data-component-id=&quot;medicare_evo:help-drawer&quot;&amp;gt;\n\n            &amp;lt;div class=&quot;ds-content ds-content--m-evo clearfix&quot;&amp;gt;&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Money in a checking,&amp;amp;nbsp;savings, or retirement account&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Stocks&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Bonds&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;\n\n&amp;lt;p&amp;gt;States don\u2019t count:&amp;lt;\/p&amp;gt;\n\n&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Your home&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;One car&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Burial plot&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Up to &amp;dollar;1,500 for burial expenses if you have put that money aside&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Furniture&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Other household and personal items&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;&amp;lt;\/div&amp;gt;\n\n  &amp;lt;\/div&amp;gt;\"><button class=\"ds-c-button ds-c-button--ghost ds-c-drawer__toggle ds-c-drawer__toggle--inline ds-c-help-drawer__toggle\" type=\"button\">What counts in resource limits?<\/button><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Individual<\/td>\n<td>$1,350<\/td>\n<td>$9,950<\/td>\n<\/tr>\n<tr>\n<td>Married couple<\/td>\n<td>$1,824<\/td>\n<td>$14,910<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>* Income limits slightly higher in Alaska and Hawaii.\u00a0You may qualify in other states for these programs even if your income or resources are higher than the federal limits listed.\u00a0<a href=\"https:\/\/www.medicaid.gov\/about-us\/where-can-people-get-help-medicaid-chip\" data-listener-attached=\"true\" data-once=\"content-link\">Contact your state<\/a>\u00a0to find out.<\/p>\n<p><strong>If you qualify for the QMB program:<\/strong><\/p>\n<ul>\n<li>Medicare providers aren\u2019t allowed to bill you for services and items Medicare covers, including deductibles, coinsurance, and copayments.\u00a0<span class=\"help-drawer\" data-drawer-id=\"109306\" data-size=\"std\" data-title=\"What to do if you get a bill\" data-content=\"&amp;lt;div class=&quot;help-drawer__content &quot;  data-component-id=&quot;medicare_evo:help-drawer&quot;&amp;gt;\n\n            &amp;lt;div class=&quot;ds-content ds-content--m-evo clearfix&quot;&amp;gt;&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;If you get a bill for Medicare charges:&amp;amp;nbsp;&amp;lt;\/strong&amp;gt;Tell your provider or the debt collector that you\u2019re in the QMB program and can\u2019t be charged for Medicare deductibles, coinsurance, and copayments.&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;If you already paid a bill for services and items Medicare covers:&amp;lt;\/strong&amp;gt;&amp;amp;nbsp;You have the right to a refund. Contact your State Medical Assistance (Medicaid) office to find out how to get a refund.&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;If you joined a Medicare Advantage Plan:&amp;lt;\/strong&amp;gt;&amp;amp;nbsp;Contact the plan to ask them to stop the charges.&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;\n\n&amp;lt;p&amp;gt;If your provider won\u2019t stop billing you, call us at 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.&amp;lt;\/p&amp;gt;&amp;lt;\/div&amp;gt;\n\n  &amp;lt;\/div&amp;gt;\"><button class=\"ds-c-button ds-c-button--ghost ds-c-drawer__toggle ds-c-drawer__toggle--inline ds-c-help-drawer__toggle\" type=\"button\">What should I do if I get a bill?<\/button><\/span><\/li>\n<li>You may get a bill for a small Medicaid copayment, if one applies.<\/li>\n<li>You&#8217;ll also get\n<div class=\"ds-c-tooltip__container\"><a class=\"ds-c-tooltip__trigger ds-c-tooltip__trigger-link\" tabindex=\"0\" aria-describedby=\"tooltip-trigger--3\" data-source=\"attribute\">Extra Help<\/a><\/div>\n<p>paying for your prescription drugs. You\u2019ll pay no more than $12.65 in 2026\u00a0for each drug covered by your Medicare drug plan.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>The Specified Low-Income Medicare Beneficiary (SLMB) Program assists Medicare beneficiaries with paying for Part B premiums (DHHS, 2014).<\/p>\n<p><strong>Helps pay for:<\/strong>\u00a0Part B premiums (You must have both Part A and Part B to qualify.)<\/p>\n<p><strong>Monthly income and resource limits for 2026:<\/strong><\/p>\n<div class=\"table-wrapper\">\n<table class=\"table\" style=\"height: 113px;\" width=\"741\">\n<thead>\n<tr>\n<th class=\"\"><strong>Your situation:<\/strong><\/th>\n<th class=\"\"><strong>Monthly income limit:*<\/strong><\/th>\n<th class=\"\"><strong>Resource limit:<\/strong><br \/>\n<span class=\"help-drawer\" data-drawer-id=\"109301\" data-size=\"std\" data-title=\"What counts in resource limits?\" data-content=\"&amp;lt;div class=&quot;help-drawer__content &quot;  data-component-id=&quot;medicare_evo:help-drawer&quot;&amp;gt;\n\n            &amp;lt;div class=&quot;ds-content ds-content--m-evo clearfix&quot;&amp;gt;&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Money in a checking,&amp;amp;nbsp;savings, or retirement account&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Stocks&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Bonds&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;\n\n&amp;lt;p&amp;gt;States don\u2019t count:&amp;lt;\/p&amp;gt;\n\n&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Your home&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;One car&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Burial plot&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Up to &amp;dollar;1,500 for burial expenses if you have put that money aside&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Furniture&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Other household and personal items&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;&amp;lt;\/div&amp;gt;\n\n  &amp;lt;\/div&amp;gt;\"><button class=\"ds-c-button ds-c-button--ghost ds-c-drawer__toggle ds-c-drawer__toggle--inline ds-c-help-drawer__toggle\" type=\"button\">What counts in resource limits?<\/button><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Individual<\/td>\n<td>$1,616<\/td>\n<td>$9,950<\/td>\n<\/tr>\n<tr>\n<td>Married couple<\/td>\n<td>$2,184<\/td>\n<td>$14,910<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>* Income limits slightly higher in Alaska and Hawaii.\u00a0You may qualify in other states for these programs even if your income or resources are higher than the federal limits listed.\u00a0<a href=\"https:\/\/www.medicaid.gov\/about-us\/where-can-people-get-help-medicaid-chip\" data-listener-attached=\"true\" data-once=\"content-link\">Contact your state<\/a>\u00a0to find out.<\/p>\n<p><strong>If you qualify for the SLMB Program:\u00a0<\/strong><\/p>\n<ul>\n<li>You\u2019ll also get\n<div class=\"ds-c-tooltip__container\"><a class=\"ds-c-tooltip__trigger ds-c-tooltip__trigger-link\" tabindex=\"0\" aria-describedby=\"tooltip-trigger--4\" data-source=\"attribute\">Extra Help<\/a><\/div>\n<p>paying for your prescription drugs.<\/li>\n<li>You\u2019ll pay no more than $12.65 in 2026 for each drug your Medicare drug plan covers.<\/li>\n<\/ul>\n<p><strong>Helps pay for:<\/strong>\u00a0Part B premiums (You must have both Part A and Part B to qualify.)<\/p>\n<p><strong>Monthly income and resource limits for 2026:<\/strong><\/p>\n<div class=\"table-wrapper\">\n<table class=\"table\" style=\"height: 123px;\" width=\"747\">\n<thead>\n<tr>\n<th class=\"\"><strong>Your situation:<\/strong><\/th>\n<th class=\"\"><strong>Monthly income limit:*<\/strong><\/th>\n<th class=\"\"><strong>Resource limit:<\/strong><br \/>\n<span class=\"help-drawer\" data-drawer-id=\"109301\" data-size=\"std\" data-title=\"What counts in resource limits?\" data-content=\"&amp;lt;div class=&quot;help-drawer__content &quot;  data-component-id=&quot;medicare_evo:help-drawer&quot;&amp;gt;\n\n            &amp;lt;div class=&quot;ds-content ds-content--m-evo clearfix&quot;&amp;gt;&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Money in a checking,&amp;amp;nbsp;savings, or retirement account&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Stocks&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Bonds&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;\n\n&amp;lt;p&amp;gt;States don\u2019t count:&amp;lt;\/p&amp;gt;\n\n&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Your home&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;One car&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Burial plot&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Up to &amp;dollar;1,500 for burial expenses if you have put that money aside&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Furniture&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Other household and personal items&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;&amp;lt;\/div&amp;gt;\n\n  &amp;lt;\/div&amp;gt;\"><button class=\"ds-c-button ds-c-button--ghost ds-c-drawer__toggle ds-c-drawer__toggle--inline ds-c-help-drawer__toggle\" type=\"button\">What counts in resource limits?<\/button><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Individual<\/td>\n<td>$1,816<\/td>\n<td>$9,950<\/td>\n<\/tr>\n<tr>\n<td>Married couple<\/td>\n<td>$2,455<\/td>\n<td>$14,910<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>* Income limits slightly higher in Alaska and Hawaii.\u00a0You may qualify in other states for these programs even if your income or resources are higher than the federal limits listed.\u00a0<a href=\"https:\/\/www.medicaid.gov\/about-us\/where-can-people-get-help-medicaid-chip\" data-listener-attached=\"true\" data-once=\"content-link\">Contact your state<\/a>\u00a0to find out.<\/p>\n<p><strong>If you qualify for the QI program:<\/strong><\/p>\n<ul>\n<li>You must apply every year to stay in the QI Program.<\/li>\n<li>States approve applications on a first-come, first-served basis \u2013 priority is given to people who got QI benefits the previous year.<\/li>\n<li>You\u2019ll also get\n<div class=\"ds-c-tooltip__container\"><a class=\"ds-c-tooltip__trigger ds-c-tooltip__trigger-link\" tabindex=\"0\" aria-describedby=\"tooltip-trigger--5\" data-source=\"attribute\">Extra Help<\/a><\/div>\n<p>paying for your prescription drugs. You\u2019ll pay no more than $12.65 in 2026 for each drug your Medicare drug plan covers<\/li>\n<\/ul>\n<p>QI is only available for people who don&#8217;t qualify for any other\u00a0\u00a0<a class=\"ds-c-tooltip__trigger ds-c-tooltip__trigger-link\" tabindex=\"0\" aria-describedby=\"tooltip-trigger--6\" data-source=\"attribute\">Medicaid\u00a0<\/a>\u00a0coverage or benefits, but you may qualify for help from another Medicare Savings Program.<\/p>\n<h2>Qualified Disabled &amp; Working Individual (QDWI) Program<\/h2>\n<p>You may qualify for the QDWI Program if you:<\/p>\n<ul>\n<li>Have a disability<\/li>\n<li>Are working<\/li>\n<li>Lost Your Social Security disability benefits and Medicare premium-free Part A because you returned to work<\/li>\n<\/ul>\n<p><strong>Helps pay for:<\/strong>\u00a0Part A premiums only<\/p>\n<p><strong>Monthly income and resource limits for 2026:<\/strong><\/p>\n<div class=\"table-wrapper\">\n<table class=\"table\" style=\"height: 132px;\" width=\"754\">\n<thead>\n<tr>\n<th class=\"\"><strong>Your situation:<\/strong><\/th>\n<th class=\"\"><strong>Monthly income limit:*<\/strong><\/th>\n<th class=\"\"><strong>Resource limit:<\/strong><br \/>\n<span class=\"help-drawer\" data-drawer-id=\"109301\" data-size=\"std\" data-title=\"What counts in resource limits?\" data-content=\"&amp;lt;div class=&quot;help-drawer__content &quot;  data-component-id=&quot;medicare_evo:help-drawer&quot;&amp;gt;\n\n            &amp;lt;div class=&quot;ds-content ds-content--m-evo clearfix&quot;&amp;gt;&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Money in a checking,&amp;amp;nbsp;savings, or retirement account&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Stocks&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Bonds&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;\n\n&amp;lt;p&amp;gt;States don\u2019t count:&amp;lt;\/p&amp;gt;\n\n&amp;lt;ul&amp;gt;\n\t&amp;lt;li&amp;gt;Your home&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;One car&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Burial plot&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Up to &amp;dollar;1,500 for burial expenses if you have put that money aside&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Furniture&amp;lt;\/li&amp;gt;\n\t&amp;lt;li&amp;gt;Other household and personal items&amp;lt;\/li&amp;gt;\n&amp;lt;\/ul&amp;gt;&amp;lt;\/div&amp;gt;\n\n  &amp;lt;\/div&amp;gt;\"><button class=\"ds-c-button ds-c-button--ghost ds-c-drawer__toggle ds-c-drawer__toggle--inline ds-c-help-drawer__toggle\" type=\"button\">What counts in resource limits?<\/button><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Individual<\/td>\n<td>$5,405<\/td>\n<td>$4,000<\/td>\n<\/tr>\n<tr>\n<td>Married couple<\/td>\n<td>$7,299<\/td>\n<td>$6,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>* Income limits slightly higher in Alaska and Hawaii.\u00a0You may qualify in other states for these programs even if your income or resources are higher than the federal limits listed.\u00a0<a href=\"https:\/\/www.medicaid.gov\/about-us\/where-can-people-get-help-medicaid-chip\" data-listener-attached=\"true\" data-once=\"content-link\">Contact your state<\/a>\u00a0to find out.<\/p>\n<p><strong>Programs of All-Inclusive Care for the Elderly (PACE)<\/strong><\/p>\n<div class=\"block block-layout-builder block-field-blocknodesection-pagetitle block-inline--cms-block-text\" data-block-plugin-id=\"field_block:node:section_page:title\">\n<div class=\"content\">\n<h1 class=\"page-title\"><strong style=\"font-size: 16px;\">What is the Program of All-Inclusive Care for the Elderly (PACE)?<\/strong><\/h1>\n<\/div>\n<\/div>\n<div class=\"block block-layout-builder block-field-blocknodesection-pagebody\" data-block-plugin-id=\"field_block:node:section_page:body\">\n<div class=\"content\">\n<div class=\"cms-text--prominent field field--name-body field--type-text-with-summary field--label-hidden field__item\">\n<div class=\"rxbodyfield\">\n<p>PACE provides comprehensive medical and social services to certain frail, elderly people (participants) still living in the community. Most of the participants who are in PACE are dually eligible for both Medicare and Medicaid.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>PACE offers a wide range of health care services, as well as social services. Most PACE programs offer primary care; hospital care; medical specialty services; prescription drugs (including Part D drugs); nursing home services; nursing services; personal care services; emergency services; home care; physical therapy; occupational therapy; adult day health care; recreational therapy; meals; dental care; nutritional counseling; social services; laboratory and x-ray services; social work counseling; and end of life care. In addition, transportation, hospital, nursing home, home health, and other specialized services are usually provided under contract. In most cases, beneficiaries are given the opportunity to live at home (CMS, 2011b).<\/p>\n<p>In order to qualify for PACE, beneficiaries must be 55 or older, live in a PACE service area, be eligible for nursing home care, and be able to live safely in a community setting at the time of enrollment. PACE is funded through Medicare and Medicaid through capitation payments (CBO, 2013; CMS, 2011b). A capitated payment can be defined as, \u201ca single payment, made on a per-enrollee basis, that covers all care within a specified set of benefits\u2026.The recipient of a capitated payment keeps the difference between its cost and the amount of the payment if costs are below the payment, but it is responsible for paying any costs that exceed the capitated payment\u201d (CBO, 2013, p. 39). This means that Medicare and Medicaid will pay a flat capitated payment per enrollee to the PACE organization, which goes into a pool that the provider uses to deliver care to all the enrollees in the program. In return, the PACE organization assumes all financial risk, but does not have to return any funding that is not needed. Since PACE organizations provide services to dually eligible participants, they receive two capitated payments per month per enrollee \u2013 one from Medicare and one from Medicaid (CMS, 2011b).<\/p>\n<p>The Centers for Medicare and Medicaid Services clarify that, even though PACE has similarities to Medicare Advantage, it is not an MA plan and it does have many differences to MA plans. One example is the payment structure as already explained. In addition, it is only available in limited areas, and not available in all states; since PACE works in conjunction with Medicaid, a state-run program, the state has to also be involved with the PACE program. Furthermore, it is not available to all Medicare beneficiaries since it is intended for a defined population of frail elderly individuals (PACE, 2011). If you would like to see if you are eligible for PACE, or to see if there is a PACE provider in your area, go to <a href=\"http:\/\/www.pace4you.org\">www.pace4you.org<\/a> or call your state Medicaid office (DHHS, 2014).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Similar to Extra Help, there is also the \u201cMedicare Savings Program\u201d. The main difference is that Extra Help is specifically<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-300","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/pages\/300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=300"}],"version-history":[{"count":2,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/pages\/300\/revisions"}],"predecessor-version":[{"id":26379,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/pages\/300\/revisions\/26379"}],"wp:attachment":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}