This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2026. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Medicare Savings Programs (MSP)
State programs that help low-income Medicare beneficiaries pay their premiums, deductibles, and copays.
Full Definition
Medicare Savings Programs (MSPs) are state-administered programs that help people with limited income and resources pay for Medicare costs. There are four types: Qualified Medicare Beneficiary (QMB) — pays Part A and B premiums, deductibles, and cost-sharing; Specified Low-Income Medicare Beneficiary (SLMB) — pays Part B premiums only; Qualifying Individual (QI) — pays Part B premiums (limited slots); and Qualified Disabled and Working Individuals (QDWI) — pays Part A premiums for certain disabled working individuals. Eligibility is based on income and assets. Enrolling in an MSP also automatically qualifies you for Extra Help with Part D drug costs.
Real-World Example
A 68-year-old with Social Security income of $1,100/month applies for the QMB program. They qualify and no longer pay the $174.70 Part B premium or any Medicare cost-sharing. Providers who accept Medicare cannot bill QMB beneficiaries for deductibles, copays, or coinsurance.
Related Terms
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