Government Assistance - Medicare

Government Assistance Programs

At the Insurance Pros, we understand that the costs of Medicare Premiums, PDP Premiums, Copays, and Coinsurance can be overwhelming. This can be especially true for seniors on a fixed-income. Fortunately, there are a few government resources available to help make these costs more manageable. Please note that qualifications for these programs are based on household income and other resources. You can read more about these programs in this section. Alternatively, you can give us a call and we will be glad to help you apply for the help you need!

Types of Assistance

Low Income Subsidy - Also called LIS or Extra Help

Low Income Subsidy is a federal program designed to lower drug costs, drug deductibles, drug premiums, and lower PDP late enrollment penalties. Qualification for this program is based on household income and resources. The income limits for 2025 are: the resource limits are $16,100 for individuals and $32,130 for married couples. However, if a beneficiary plans to use some of their resources for burial expenses, the limit increases to $17,600 for individuals and $35,130 for married couples.

Medicare Savings Programs

The Medicare Savings Programs or MSP are state programs designed to help lower Medicare Part B Premiums and lower some copays and coinsurance depending on income and resource levels. MSP programs are run on a state by state basis. Income and resource limits vary from state to state. Give us a call for more information.

Useful Websites

LIS Application - SSA.gov

Alabama MSP Guide