Programs that lower Medicare premiums and drug costs for people with limited income. Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.
- Medicare Savings Programs: help paying the Part B premium
How the QMB, SLMB and QI programs pay Medicare premiums and sometimes deductibles, who qualifies, and how to apply through your state.
- Extra Help with Part D: lower drug costs and no late penalty
What the Part D Low-Income Subsidy covers in 2026, who qualifies, how to apply through Social Security, and how it interacts with the $2,100 cap.
- Dual eligibility: when you have both Medicare and Medicaid
How Medicare and Medicaid work together for dual-eligible people, what each pays, D-SNP plans, and long-term services and supports.