Medicare Savings Programs are state-run programs funded by federal Medicaid dollars that help pay Medicare costs for low-income seniors. They are separate from Medicaid — you do not need to be on Medicaid to qualify.
The Four MSP Programs
QMB — Qualified Medicare Beneficiary
The most comprehensive MSP tier. QMB covers Part A and Part B premiums, deductibles, and copays. If you have QMB, providers cannot charge you cost-sharing amounts — it is illegal for them to do so. QMB income limit is approximately 100% of the Federal Poverty Level.
SLMB — Specified Low-Income Medicare Beneficiary
SLMB covers the Part B premium only (~$185/month in 2026). Income limit is approximately 100–120% of FPL. The premium savings alone are worth over $2,200/year.
QI — Qualifying Individual
QI also covers the Part B premium and is available to those with income approximately 120–135% of FPL. Enrollment is first-come, first-served within each state's annual budget — apply as early as possible in the calendar year.
QDWI — Qualified Disabled Working Individual
QDWI covers the Part A premium for certain disabled individuals who have returned to work and lost Medicaid. Income limit is approximately 200% of FPL.
Major 2024 Change: Asset Limits Eliminated
In 2024, the federal government eliminated asset limits for most MSP programs. Savings accounts, investments, and property no longer count against your eligibility in most states. If you were previously denied because of assets, you may now qualify — apply again.
MSP Also Qualifies You for Extra Help
If you qualify for any MSP program, you automatically qualify for the Social Security Extra Help program — which dramatically reduces Part D drug copays and premiums. This combined benefit is worth thousands per year for seniors on multiple medications.
Check Your MSP Eligibility
See if you qualify for MSP — the single most valuable benefit most seniors never know about.