There are many programs that can help you pay for Medicare:
Medicare Savings Programs
If you have limited income and resources, you may be able to get help from your state to pay your Medicare costs. Some of the programs may help to pay your Medicare Part B premium, or some of your costs to get services, like deductibles, coinsurance or copays.
Medicaid is a health plan for low-income and disabled people. Each state runs its own program. The federal government and each state government share the costs of this program. Some people have both Medicare and Medicaid. They are called “dual eligibles.” As a dual eligible, most of your health care expenses will be covered.
What is “Extra Help”? Extra Help
is a Medicare program to help people with limited income and resources pay Part D drug plan costs. It can help pay monthly premium fees, deductibles, and coinsurance.
You can get Extra Help
- You have full Medicaid coverage.
- You get help from your state Medicaid program to pay your Part B premiums in a Medicare Savings Program.
- You get Supplemental Security Income (SSI) benefits.
If you get Extra Help
, what you pay for your plan and what you pay at the pharmacy will be lower. It may even lower your premium and deductible costs to $0. You will also have no coverage gap, pay no late enrollment penalties, and you can switch plans at any time.
If you have any questions about any of these programs or to see if you can get Extra Help, an EmblemHealth Medicare specialist can help you.
How can My Advocate help you save money?My Advocate
helps seniors and disabled individuals apply for Medicare Savings Programs, Extra Help and other community assistance programs.