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Extra Help (Low Income Subsidy)
A federal program that reduces Medicare Part D prescription drug costs for people with limited income.
Full Definition
Extra Help (also called the Low Income Subsidy or LIS) is a federal program that helps people with Medicare pay Part D prescription drug plan costs including premiums, deductibles, and copays. In 2026, people who qualify for full Extra Help pay no more than a few dollars per prescription for covered drugs. Eligibility is based on income (up to 150% FPL) and resources. You can apply through Social Security, Medicare, or your state Medicaid office. People who receive Medicaid, Medicare Savings Program benefits, or Supplemental Security Income (SSI) automatically qualify. The Inflation Reduction Act (2022) expanded Extra Help eligibility.
Real-World Example
A Medicare beneficiary with income of $20,000/year applies for Extra Help. They qualify and are enrolled in a Part D plan with a $0 premium. Their insulin copay drops from $35 to $0, and other generic drugs cost $1–$4 per prescription instead of the standard cost-sharing.
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