Medicare Savings Programs

The Medicare Savings Program (MSP) is a state-administered federal program that helps people with limited income and resources pay for Medicare costs. There are four official benefit tiers.

QMBQualified Medicare Beneficiary (QMB)

The most comprehensive tier. Covers Part B premium, Part A premium, all deductibles, coinsurance, and copays. QMB also auto-qualifies you for Extra Help with prescription costs.

Estimated savings: Up to $6,975/yr →

SLMBSpecified Low-Income Medicare Beneficiary (SLMB)

Covers your Medicare Part B premium ($202.90/month in 2026). Works with both Original Medicare and Medicare Advantage plans.

Estimated savings: $2,435/yr →

QIQualifying Individual (QI)

Covers the Part B premium. This program has a limited annual budget — slots reset every January 1, so apply early in the year.

Estimated savings: $2,435/yr →

QDWIQualified Disabled Working Individual (QDWI)

Pays Medicare Part A monthly premiums (up to $518/month in 2026) for individuals under 65 with disabilities who lost premium-free Part A after returning to work.

Estimated savings: Up to $6,216/yr →

Compare programs

QMB vs. SLMB Comparison →Detailed breakdown of coverage differences, deductibles, balance billing protection, and retroactive rules.MSP vs. Medicaid Differences →How Medicare Savings Programs differ from full Medicaid, dual eligibility, and QMB Only vs. QMB Plus.

Continue based on your goal

Apply for an MSP →Follow the application process from preparation through follow-up.Gather documents →Build a practical checklist before contacting your state.Understand countable income →Learn which income exclusions may change your result.Respond to a denial →Review the decision and understand your appeal options.

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