About MSP Check

Who's behind MSP Check

MSP Check was founded and is edited by Sharon Ben-Moshe. Sharon Ben-Moshe is the founder and editor of MSP Check, a free tool that helps Medicare beneficiaries find out whether they qualify for the Medicare Savings Program. Every eligibility figure is sourced from CMS and state Medicaid agencies and reviewed each January — see our methodology for how each number is derived.

Why we built this

Millions of eligible seniors never enroll in MSP simply because they don't know it exists or find the application process confusing. Our 5-step wizard takes about 90 seconds, requires no account, and gives you a personalized result based on your state's current income and asset limits.

How it works

1. You answer 5 questions about your state, household size, income, and assets.
2. We apply the same SSA income disregard rules your state Medicaid agency uses, including the $20 general disregard, the $65 earned-income disregard, and the 50% remainder rule.
3. Your result tells you which tier (QMB, SLMB, or QI) you likely qualify for, what it covers, and links directly to your state's application.

Eligibility rules are reconciled from SSA, KFF's state survey, and direct state guidance. See Learn for detailed program descriptions.

Independence & funding

MSP Check is not affiliated with Medicare, Medicaid, Social Security, or any government agency. We don't sell insurance, receive referral fees, or require an account. The tool is free to use and always will be.

Data accuracy

Income and asset limits are verified against federal and state sources at least annually. Results are estimates — your actual eligibility is determined by your state's Medicaid agency. If you're close to a limit, we recommend applying regardless: your state will make the final determination at no cost to you.