Learn About Medicare

Are you eligible for programs that help lower Medicare costs?

Here are some programs that may be available to help lower Medicare costs:

  • Medicare Savings Programs (MSPs): MSPs are state-run programs that help low-income individuals pay for their Medicare premiums and other costs. Eligibility and benefits vary by state and income level.
  • Extra Help (Low-Income Subsidy) for Part D: Extra Help is a federal program that helps low-income individuals pay for their Part D prescription drug costs, including premiums, deductibles, and copayments.
  • Medicaid: Medicaid is a joint federal and state program that provides health coverage to low-income individuals and families, including some Medicare beneficiaries. Medicaid may cover some Medicare costs, such as premiums and cost-sharing.
  • State Pharmaceutical Assistance Programs (SPAPs): SPAPs are state-run programs that provide financial assistance to help cover the cost of prescription drugs for eligible individuals.

To be eligible for these programs, you must meet certain income and asset limits. Eligibility and benefits vary by program and state. It's always a good idea to check with the program or a licensed Medicare agent to determine if you may be eligible for assistance with your Medicare costs.