Here are the 2026 Medicare Savings limits for Mississippi, 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 Mississippi 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 | $1,380/mo | $1,854/mo | Part B premium, deductibles & copays + auto Extra Help |
| SLMB | $1,646/mo | $2,214/mo | Part B premium + auto Extra Help |
| QI | $1,846/mo | $2,485/mo | Part B premium + auto Extra Help |
Mississippi counts income a little more generously than the federal baseline. The state disregards $50 of income, not $20, so its limits run $30 higher than the federal table on most state pages. For one person that makes the cutoffs $1,380 for QMB, $1,646 for SLMB and $1,846 for QI.
The Division of Medicaid's administrative code says that under liberalized policy the Medicare Savings Programs have no assets test. That means a person with modest savings or a small investment account can still qualify.
The Division of Medicaid reviews you for a Medicare cost sharing group when your Medicare begins, so ask about it if you are about to turn 65. QDWI, for working people with disabilities under 65, keeps its own resource limits of $4,000 and $6,000.
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.
Mississippi has no asset limit for QMB, SLMB or QI. Savings, stocks, property and a second vehicle do not count. The only exception is QDWI, which has resource limits of $4,000 for one person and $6,000 for a couple.
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:
Mississippi'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 Mississippi's limits higher than the federal table?
Mississippi disregards $50 of income instead of $20. That puts the single person limits at $1,380, $1,646 and $1,846 a month.
Is there an asset test in Mississippi?
No. The Division of Medicaid's administrative code says the Medicare Savings Programs have no assets test under liberalized policy.
Where do I apply in Mississippi?
Apply online at access.ms.gov, or use a paper application at one of the 30 Division of Medicaid regional offices. The toll free line is 1-800-421-2408.
Online: access.ms.gov
Toll free: 1-800-421-2408
Main line: 601-359-6141
In person: any of 30 regional offices
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.