Here are the 2026 Medicare Savings limits for Indiana, with the asset rules and application steps that apply there. The standard Part B premium is $202.90 a month in 2026, or $2,434.80 a year, so a Medicare Savings Program can free up real money on a fixed income.
Updated October 18, 2026. The details for Indiana come from the official and legal aid sources listed at the bottom of this page. Confirm with your state Medicaid office before you apply.
| Program | Individual | Couple | Covers |
|---|---|---|---|
| QMB (150% of poverty) | $2,015/mo | $2,725/mo | Part B premium, deductibles & copays + auto Extra Help |
| SLMB (170% of poverty) | $2,281/mo | $3,086/mo | Part B premium + auto Extra Help |
| QI (185% of poverty) | $2,481/mo | $3,357/mo | Part B premium + auto Extra Help |
Indiana sets its tiers at 150, 170 and 185 percent of the federal poverty level, not the federal 100, 120 and 135. That puts the single person cutoffs at $2,015, $2,281 and $2,481 a month in NCOA's 2026 chart, about $665 above the federal QMB line. If you ruled yourself out using a national table, run the numbers again.
Assets are where Indiana stays federal. The limit is $9,950 for one person and $14,910 for a couple. A modest savings account can still disqualify you, even though your income would pass.
Indiana's Family and Social Services Administration (FSSA) handles applications. You can apply for Medicaid for the aged, blind and disabled or for the Medicare Savings Programs through its site, and the state's Division of Family Resources runs the benefits portal and local offices. Free Medicare counseling is available through Indiana's SHIP at 1-800-452-4800.
All three Medicare Savings Programs pay your Medicare Part B premium — currently one of the biggest fixed costs for anyone on a limited income. But they're not identical:
You qualify for whichever tier matches your income — you don't choose between them, and Medicaid determines the right one automatically based on what you report on your application.
Indiana uses the federal limit: $9,950 for an individual or $14,910 for a couple. Bank accounts, stocks and bonds count. Ask your Division of Family Resources worker what is excluded before you assume anything is.
MSP denials are appealable in every state — a common reason for denial is a paperwork gap (missing income verification, an asset statement not submitted) rather than a genuine eligibility mismatch. Most states give you a window of at least 30–90 days to request a fair hearing. If your income is only slightly over the limit, ask specifically about income disregards — several categories of income (like certain wage income or in-kind support) may not count the way you'd expect.
If you qualify for an MSP, it's worth checking these at the same time, since eligibility criteria often overlap:
Indiana's published pages do not say how far back coverage reaches, so ask when your first covered month will be. Under federal rules, QMB starts the month after approval, while SLMB and QI can reimburse up to three months of Part B premiums already paid. If you are within a few months of turning 65 or newly enrolling in Medicare, apply for a Medicare Savings Program at the same time.
Does my Social Security count as income for this?
Yes — Social Security benefits count toward the income limit, though some states exclude a portion of earned income if you're still working part-time.
Can I qualify for Medicare and Medicaid at the same time?
Yes — MSP recipients are sometimes referred to as "dual eligible," and having both isn't unusual. Full Medicaid eligibility (beyond just MSP) depends on separate, typically lower income limits.
Will my MSP status change my Medicare coverage itself?
No — MSPs don't change what Medicare covers medically. They only affect who pays the premiums and cost-sharing amounts you'd otherwise owe out of pocket.
Why are Indiana's Medicare Savings limits higher than the federal table?
Indiana sets QMB at 150 percent of the poverty level, SLMB at 170 percent and QI at 185 percent. For 2026 NCOA lists $2,015, $2,281 and $2,481 a month for one person.
Does Indiana have an asset limit for Medicare Savings?
Yes, the federal one: $9,950 for one person and $14,910 for a couple.
Where do I apply in Indiana?
Use the FSSA Benefits Portal, call 800-403-0864, visit a local Division of Family Resources office, or mail your application to the FSSA Document Center in Marion.
Benefits Portal: fssabenefits.in.gov
Phone: 800-403-0864
Mail: FSSA Document Center, P.O. Box 1810, Marion, IN 46952
Free counseling (SHIP): 1-800-452-4800
Do I need to reapply every year?
Most states require an annual redetermination to confirm your income and (where applicable) assets still qualify — your state Medicaid agency will typically mail a renewal notice before your coverage would lapse. Losing MSP coverage because a renewal notice went to an old address is common and avoidable, so keep your contact information current with Medicaid.
What if my income changes partway through the year?
Report it. An increase that pushes you over the limit doesn't always mean immediate loss of coverage — some states have income disregards or grace periods — but not reporting a change can create a repayment obligation later. It's better to report and find out you still qualify than to stay quiet and risk a clawback.