**Response time at our telephone Benefits Center is being affected by power outages from Tropical Storm Isaias, related to computer access by staff. Thank you for your patience. [August 5, 2020, at 8 a.m.]

The Department of Social Services has suspended in-person visits to our field offices as a protective measure for customers and staff. We are continuing to provide services. Customers can access benefit and application information, 24/7, at www.connect.ct.gov and www.ct.gov/dss/apply; or 1-855-6-CONNECT. Full information on ways to contact DSS online, by phone, by mail, and at office dropboxes is at www.ct.gov/dss/fieldoffices. Information and updates about child support is available at www.ct.gov/dss/childsupport. Please also visit www.ct.gov/coronavirus for latest State of Connecticut updates; and www.ct.gov/dss/covid for DSS-specific updates. Thank you.

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.

There are three levels within MSP.  Your gross income or combined gross income with your spouse determines which category you qualify for. The new monthly income limit, effective March 1, 2020, are:

 

Generally, if your monthly income

Is at or below these levels…

 

You may qualify for…

$ 2,245.04 single

$ 3,032.07 couple

 

QMB - This program is similar to a “Medigap” policy. It pays your Part B premium(1) and all Medicare deductibles(2) andco-insurance.(3)


(1) Your Medicare Part B covers Doctor costs, outpatient hospital and some preventive care.

(2) The deductible is the amount that you pay for medical services before Medicare or any other insurance begins to pay. The amount changes every year.

(3) Co-insurance is the portion of Medicare approved services that you are responsible for paying.

 

$ 2,457.84single

$ 3,319.47 couple

 

SLMB-This program pays for your Part B premium only.

$ 2,617.44 single

$ 3,535.02 couple

 

 

ALMB - This program pays for your Part Bpremium only. This program is subject toavailable program funding.
You are not eligible for this program if you receive Medicaid.

 

 

 

All three levels of MSP pay for the Medicare Part B premium ($144.60 in 2020 for most individuals), and all three levels enroll you into a program that helps pay for Medicare’s prescription benefits, called the Low Income Subsidy (or “Extra Help”). The differences between the three levels of MSP are explained in the answer to the next question.

All three levels also automatically enroll you into the Low Income Subsidy (LIS), also called “Extra Help”. The LIS or “Extra Help” pays the full cost of a Medicare Part D (prescription coverage) benchmark plan, or a portion of a non-benchmark plan, yearly deductibles and co-insurance, or co-pays. This coverage remains the same even if you reach the coverage gap. The LIS also allows you to change your Medicare Part D or Medicare Advantage plans outside of the open enrollment period. For more information about the LIS, go to www.socialsecurity.gov or call 1-800-Medicare (TTY: 1-800-325-0778).

The QMB is the only level that acts like a Medicare Supplemental or Medigap plan. It will cover the costs of the deductibles or co-pays of Medicare Part A and Medicare Part B up to the Medicaid approved rate.  It will also pay the premium for Medicare Part A for qualified adults 65 years of age or older when they are not eligible for premium free Medicare due to work earnings.  You are protected by federal law from being “balanced billed”, or billed for services after Medicare Part A and B pays its portion of the bill, if a provider agrees to treat you, whether or not the provider is a Medicaid provider.

For detailed information about MSP, please view our Frequently-Asked Questions.

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