Medicare Savings Programs (MSPs)
California offers four Medicare Savings Programs that help low-income beneficiaries pay Medicare costs:
| Program | What It Pays | Approximate Income Limit (Individual) |
|---|---|---|
| QMB (Qualified Medicare Beneficiary) | Part A premium, Part B premium, deductibles, coinsurance, copays | ~$1,255/month |
| SLMB (Specified Low-Income Medicare Beneficiary) | Part B premium only | ~$1,502/month |
| QI (Qualifying Individual) | Part B premium only | ~$1,689/month |
| QDWI (Qualified Disabled Working Individual) | Part A premium only | ~$2,510/month |
Extra Help / Low-Income Subsidy (LIS)
Extra Help is a federal program that helps pay Part D prescription drug costs, including premiums, deductibles, and copays. If you qualify for any MSP, you automatically get Extra Help.
How to Apply
Apply for Medicare Savings Programs through your county Department of Social Services or Medi-Cal office. You can also get help from HICAP counselors.
For Extra Help, apply through Social Security at ssa.gov/extrahelp or call 1-800-772-1213.
What is the QMB program?
QMB (Qualified Medicare Beneficiary) is the most comprehensive Medicare Savings Program. It pays Part A and Part B premiums, deductibles, coinsurance, and copays for beneficiaries with income below approximately $1,255/month.
How do I apply for a Medicare Savings Program in California?
Apply through your county Department of Social Services or Medi-Cal office. HICAP counselors can also help you with the application process at no cost.