Help Paying for Medicare
Medicare isn’t free, but help is available. Find programs and savings that can lower your costs and stretch your budget.
- Lower CostsFind programs that save you money
- See If You QualifyQuick tools to check eligibility
- No Cost, No PressureIt’s free, and we check everything
3 Easy Steps to Lower Your Medicare Costs
Find Where You Fall
Compare your income and assets to this year’s limits.
Explore Your Options
From full Medicaid to Extra Help, see the programs you may qualify for.
Apply & Save
Lower premiums, deductibles, and drug costs — starting now.
Programs That Can Help
Full Medicaid + Medicare(Dual-Eligible)
Covers most costs so you pay little or nothing out of pocket.
For eligible individualsMedicare Savings Programs(QMB, SLMB, QI)
Help pay your Part B premium ($202.90/mo), deductibles, and coinsurance.
2026 income limits applyExtra Help(Low-Income Subsidy)
Lowers your Part D drug costs — as low as $0 premiums and low copays.
Higher income limitsNo Program? Lower Costs Anyway
Even without a program, smart choices still save money — and the $2,000 Part D cap protects everyone.
See cost-saving tips →
Let’s Find Every Dollar of Help — Free
We’ll review your situation at no cost, check every program you qualify for, and help you enroll — no pressure, just answers.
Frequently Asked Questions
What help is there to pay for Medicare?
Several layers: Medicare Savings Programs pay your Part B premium ($202.90/mo in 2026) and, for QMB, your deductibles and coinsurance too; Extra Help lowers drug costs; and if your income is low enough, Medicaid can coordinate with Medicare to cover most out-of-pocket costs. Which one fits depends on your income and assets.
How do I know if I qualify?
Compare your income and assets to the 2026 limits — start with our income-limits page, or use the Extra Help calculator. Qualifying for a Medicare Savings Program automatically qualifies you for Extra Help, so it’s worth checking even if you think you earn too much.
What if I don’t qualify for any program?
You can still lower costs by choosing the right plan — a $0-premium Medicare Advantage plan, a lower-cost Part D plan matched to your drugs, or a high-deductible Medigap plan. And the Part D $2,000 out-of-pocket cap now protects everyone. We can walk through the options free.
Helpful Resources
- Medicare.gov — Get Help with Costs Official Medicare resource
- Medicare Extra Help (Part D LIS) Lower your prescription drug costs
- Dual Eligible & Medicaid Plans (D-SNP) Plans built for dual-eligible individuals
- Extra Help & Savings Program Estimator See if you might qualify
Talk to a Local, Licensed Agent
Rocco DeLuca can walk you through your options — free, no pressure.
Call 435-219-5120 → — Rocco DeLuca