Help with the ClHe p with the Costs of Med care’sosts of Medicari Premiums
emiums
There are two diff erent agencies that may assist someone in qualifying to receive assistance with costs associated with Medicare Part D Prescription Drug Coverage
• T e Alabama Medicaid Agency administers the Medicare Savings Programs (MSP) that is available to help persons whose incomes fall between 101-135% of the Federal Poverty Level (FPL). Contact 205-391-6760 (Medicaid) or SHIP at 205-333-2990 for assistance.
• T e Social Security Administration (SSA) is responsible for deeming persons eligible for Low Income Subsidy (LIS) also referred to as “extra help” for those whose incomes are up to 150% of the Federal Poverty Level. Contact 1-800-772-1213/ (SSA local number) 1-877-480-4988/
www.ssa.gov or SHIP at 205-333-2990 for assistance.
MedicariMed care S vings P ograms QMB, SLMB, QI-1) - Medicaid e Savings Programs ( (QMB, SLMB, QI-1) - Medicaid
• May also be referred to as MSP. T ere are three diff erent programs (QMB/SLMB/QI-1). In the state of Alabama, the only qualifying factor is monthly income. Resources do not count. Some states factor in resources but Alabama does not. T ese programs are designed to help people whose incomes are just above the 100% FPL limit, yet are less than 135% of the FPL. (T ose on SSI are considered at 100% of the FPL).
• QMB (Qualifi ed Medicare Benefi ciary) - Makes agreements with providers that accept Medicaid so the benefi ciary does not have to pay the Medicare coinsurance, which is the 20 percent that Medicare does not pay, Part A & B deductibles, Part B monthly premium and more.
• SLMB (Specifi ed Low-Income Medicare Benefi ciary) -Pays Medicare Part B monthly premium.
• QI-1 (Qualifi ed Individual)-SLOTS MAY BE LIMITED - Pays Medicare Part B monthly premium.
• If you are awarded a Medicare Savings Program you automatically qualify for “extra help” in paying for Medicare Part D premiums and deductibles.
Low I Income Subsidy/Extra Help (LIS) - S cial Security Administr tion ncome Subsidy/Extra Help (LIS) - Social Security Administration
• Low-income subsidy, also referred to as Extra Help, is determined by the Social Security Administration. T e only benefi t of LIS through Social Security is help with Medicare Part D, prescription drugs; no other health care coverage is included. T e LIS table ranges from 100% of the FPL to 150% of the FPL. Monthly income is not the only determining factor for eligibility; LIS also sets a resource limit in determining eligibility.
205-333-2990 •
www.westalabamaaging.org
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