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, effective January 1, 2018. The following chart gives the current income levels and new income levels for 2018. DSS is currently preparing notices with additional information for Medicare Savings Program recipients who will be affected by the statutory eligibility change. Please also check back to this website for further information updates (direct at www.ct.gov/dss/medicaresavingsprograms). Thank you.

 

 

 

MEDICARE SAVINGS PROGRAM BENEFIT SUMMARY/

SERVICES PROVIDED

INCOME- ELIGIBILITY LIMIT PRIOR TO JAN. 1, 2018

INCOME- ELIGIBILITY LIMIT BEGINNING

JAN. 1, 2018

RELATED INFORMATION

Qualified Medicare Beneficiary

 

(QMB)

Medicaid pays the Medicare Part A premiums, Medicare Part B premiums, and Medicare deductibles and coinsurance for Medicare services provided by Medicare-enrolled providers.

single

couple

single

couple

Entitled to Medicare Part A.

 

No asset test.

 

May have both QMB and full Medicaid, if eligible.

 

$2,120

per month

$2,854

per month

$1,025

per month

$1,374

per month

Specified

Low-Income Medicare Beneficiary

 

(SLMB)

Medicaid pays Medicare Part B premiums only.

single

couple

single

couple

Entitled to Medicare Part A.

 

No asset test.

 

May have both SLMB and full Medicaid, if eligible.

 

$2,321

per month

$3,125

per month

$1,226

per month

$1,644

per month

Additional

Low-Income Medicare Beneficiary, also known as Qualifying Individual

 

(ALMB)*

Medicaid pays Medicare Part B premiums only.

single

couple

single

couple

Entitled to Medicare Part A.

 

No asset test.

 

May not have ALMB and any other Medicaid at the same time.

 

$2,472

per month

$3,328

per month

$1,377

per month

$1,847

per month

*There is an annual cap on funding for the ALMB benefit level, which may limit the number of individuals in the group.

 

At all three levels, there is an income ‘disregard’ for beneficiaries who have income through employment, meaning that the actual eligibility levels for the Medicare Savings Programs will be somewhat higher for working people.

Additional Help - the Low-Income Subsidy

The Low-Income Subsidy (LIS) is an extra benefit from Medicare for someone who has Medicare Part D. If you have Medicare and a Medicare Savings Program, you are automatically eligible for the LIS. With the LIS you can get:

  • Help paying your Medicare Part D monthly premium.
  • Help with your Medicare Part D yearly deductibles and,
  • Help paying your Medicare Part D co-insurance and co-pays for drugs on your plan formulary.  This does not start until Social Security receives notification that you are enrolled in a Medicare Savings Program.