Medicare Savings Program

Overview

The State of Connecticut offers financial assistance to eligible Medicare enrollees through our 'Medicare Savings Programs.' These programs may help pay Medicare Part B premiums, deductibles and co-insurance. 
 
If you qualify for one of the three Medicare Savings Programs (depending on your income), DSS will pay your Medicare Part B premium each month. In addition, some enrollees will be covered for Medicare deductibles and co-insurance. Our Medicare Savings Programs are funded by Medicaid.

 **Please note:  State budget legislation (Public Act 17-2, Section 50) will change the income-eligibility levels for the Medicare Savings Programs. To see a chart with the eligibility levels that will go into effect as a result of the legislated change, please follow this link.

 Updated information, December 6, 2017:

DSS revising implementation timeline of Medicare Savings Programs Cuts -- please follow this link to see news release.

The effective date of any Medicare Savings Program eligibility changes based on the state budget will move past Jan. 1, 2018.  DSS expects that its eligibility review will take at least two months.  We do not currently anticipate any loss of benefits due to statutory eligibility limit reductions before March 1, 2018.

***

Please use the chart below to see what level of the Medicare Savings Programs you may qualify for after the statutory income-level reduction goes into effect. Please note the new income limits will take effect no earlier than March 1, 2018. Before these new income limits are implemented, clients will be notified.

After these new income limits go into effect you may no longer qualify or you may move from your current level to another level of MSP, depending on your income and your spouse’s income if you are married.  Income includes, but is not limited to: Social Security retirement or disability benefits, pension, and the money you earn from work.  The money you earn from working is calculated differently from other income.  The first $65 that you earn is not counted and then only half of the remaining earnings are counted when determining eligibility. For example, if you have $1,065 in work earnings, your countable earnings from work are $500 ($1,065 - $65 = $1,000 and $1,000 divided in half is $500).

MEDICARE SAVINGS PROGRAMS

3 Levels

Current Income limits

 

Income limits to take effect no earlier than March 1, 2018

 

Qualified Medicare Beneficiaries

(QMB)

single

couple

single

couple

$2,120

per month

$2,854

per month

$1,025

per month

$1,374

per month

Specified Low-Income Medicare Beneficiaries (SLMB)

single

couple

single

couple

$2,321

per month

$3,125

per month

$1,226

per month

$1,644

per month

Additional Low Income Medicare Beneficiaries (ALMB)*

single

couple

single

couple

$2,472

per month

$3,328

per month

$1,377

per month

$1,847

per month


*Due to federal funding limits, not everyone who qualifies for ALMB by income may be able to get coverage.

For prescription drug coverage, there is still some help for one more year.  Under federal law, if you lose MSP coverage, you continue to be eligible for the Low-Income Subsidy, also known as “LIS” or “Extra Help,” through the end of 2018.  Extra Help pays for Medicare Part D costs (monthly premium, annual deductible, and prescription co-pays for drugs on the Medicare plan).  It also provides you with a special enrollment period throughout the year to change your Medicare options.  Unless you have a change of circumstances unrelated to the MSP change, you will remain eligible for this program through 2018.  For more information about Extra Help, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778), or go online to www.ssa.gov/medicare/prescriptionhelp.