Learn about Medicare
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
The different parts of Medicare help cover specific services:
- Medicare Part A- Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Medicare Part B- Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
- Medicare Part C- A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
- Medicare Part D- Covers prescription drugs.
Contact your local State Health Insurance Program (SHIP) office to understand and select a plan.
Medicare Income Subsidy
If you meet certain income and resource limits, you may qualify to get help with paying for your premiums.
Extra Help from Medicare pays the costs of Medicare prescription drug coverage for people with limited resources and income. Extra Help covers:
- Monthly premiums,
- Annual deductibles
- Prescription co-payments related to a Medicare prescription drug plan.
- To qualify for Extra Help: You must reside in one of the 50 states or the District of Columbia;
Medicare Savings Programs
Medicare Savings Programs (MSPs), also known as Medicare Buy-In programs or Medicare Premium Payment Programs, help pay your Medicare costs if you have limited finances. There are three main programs, and each has different income eligibility limits.
- Qualified Medicare Beneficiary (QMB): Pays for Medicare Part A and B premiums, deductibles and coinsurances or copays. If you have QMB, you will have no coinsurance or copayment for Medicare-covered services you get from doctors who participate in Medicare or Medicaid or are in your Medicare Advantage plan’s network.
- Specified Low-income Medicare Beneficiary (SLMB): Pays for Medicare's Part B premium.
- Qualifying Individual (QI) Program: Pays for Medicare's Part B premium.
To qualify for an MSP, you must:
- Have Medicare Part A.
- Meet income and assets guidelines.
For more in-depth assistance, contact your local MAP office directly or call the statewide toll-free number (1-844-627-5465).