Medicare Savings Programs can erase your Part B premium and more. Here is a plain-English breakdown of the four programs and how to qualify.
How the four Medicare Savings Programs compare
The four MSPs are tiered by income. QMB (Qualified Medicare Beneficiary) is the most generous, covering Part A and Part B premiums, deductibles, coinsurance, and copays. SLMB (Specified Low-Income Medicare Beneficiary) pays just the Part B premium. QI (Qualifying Individual) also pays the Part B premium but is first-come, first-served and renewed annually. QDWI (Qualified Disabled and Working Individual) helps certain working people with disabilities pay the Part A premium. As income rises, you move from QMB toward QI. Even if you miss one program's limit, you may qualify for the next. Call 1-800-MEDIGAP to find your match.
2025 income and resource limits
Federal MSP limits update yearly. For 2025, QMB allows roughly $1,325/month (individual) and $1,783 (couple); SLMB and QI permit progressively higher income. Countable resource limits are about $9,660 (individual) and $14,470 (couple), excluding your primary home and one vehicle. Several states use higher thresholds or no asset test at all, so do not self-disqualify. Allowable deductions often bring people who look ineligible under the line. The safest step is to apply or have an advisor check your exact numbers.
How to apply and what to expect
Apply through your state Medicaid office, not Medicare. You can apply online, by phone, by mail, or in person, with proof of income and resources. Approval typically takes about 45 days and triggers automatic Extra Help for Part D drug costs. QMB approval adds balance-billing protection so providers cannot charge you for covered services. Paperwork varies by state and can be confusing, which is why many seniors call 1-800-MEDIGAP for free help navigating the application and locating their correct state office.