Program Overview
The Qualified Medicare Beneficiary (QMB) program is one of the Medicare Savings Programs (MSP) that helps you pay for your Medicare premiums. The QMB program helps pay for:
- Medicare Part A (hospital insurance) premium
- Medicare Part B (medical insurance) premium
- Medicare deductibles
- Coinsurance for services and items covered by Medicare
- If you qualify for the QMB program, you will receive extra help with your costs under the Medicare prescription drug benefit (Part D). This program also limits the amount you pay for prescriptions to only a few dollars each month.
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Read More About MSP-QMB
QMB is the only Medicare Savings Program that acts like a Medicare supplemental or Medigap plan. The program pays for:
- Medicare Part A and Part B premiums
- Medicare deductibles for Medicare covered services
- Medicare co-insurance for Medicare covered services
- Extra help paying for prescription drug costs under Medicare Part D
- QMB recipients are automatically enrolled in the low-income subsidy (LIS), also called “extra help.” The LIS or extra help pays for one of the following:
- The full cost of a Medicare Part D (prescription coverage) benchmark plan
- A portion of a non-benchmark plan, yearly deductibles, and either co-insurance or co-pays.
- This benefit also allows you to change your Medicare Part D or Medicare Advantage plans outside of the open enrollment period.
Who is eligible?
Income limits:
Income limits for 2025 (these may change from year to year)
Individual monthly: $2,752
Married monthly: $3,719
Asset limit:
Connecticut does not have an asset limit for Medicare Savings Programs.