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;

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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.

  1. 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.
  2. Specified Low-income Medicare Beneficiary (SLMB): Pays for Medicare's Part B premium.
  3. 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.

Related Links

For more in-depth assistance, contact your local MAP office directly or call the statewide toll-free number (1-844-627-5465).

Connect with your local MAP office.

Maryland Access Point (MAP) staff are available to help you explore your options to meet your current needs or create a plan for the future.

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Disclaimer: Please note that because providers voluntarily list their services on this site, all providers in the state may not be listed. While we strive to ensure the accuracy of the information on this site, the inclusion of a provider listing on Maryland Access Point does not constitute a recommendation or endorsement of that services. Always use appropriate caution by consulting trusted advisers and checking references and licensure before hiring a care provider.

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