Medicare Savings Programs: QMB / SLMB / ALMB

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All Medicare Savings Programs (also known as MSPs) save the Medicare beneficiary money by paying for the Part B premium. MSPs also pay for Part A premiums. For most people, Part A is free, but if the beneficiary or the beneficary’s spouse has not worked enough, he or she must pay a Part A premium.

There are three different MSPs; eligibility depends upon income.

The following income limits are effective through March 2018.

QMB (Qualified Medicare Beneficiary):
Pays both Medicare Part A and Part B premiums, deductibles and co-insurances.
QMB income limits (211% FPL):
Single person – $2,120.55/month
Married couple – $2,854.83/month
NO ASSET LIMIT

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SLMB (Special Low-Income Medicare Beneficiary):
Pays Medicare Part B premiums.
SLMB income limits: (231% FPL)
Single person – $2,321.55/month
Married couple-$3,125.43/month
NO ASSET LIMIT
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ALMB (Additional Low-Income Medicare Beneficiary) – also known as Q4:
Pays Medicare Part B premiums. Note: ALMB is not an entitlement program and the funding is limited. When available funds are exhausted applications will be denied.
ALMB income limits (246% FPL):
Single person – $2,72.30/month
Married couple – $3,328.38/month
NO ASSET LIMIT

To Apply: an application form in English or Spanish, can be downloaded from the DSS website (http://www.ct.gov/dss/cwp/view.asp?a=2345&q=451382). Applicants may also apply by going to the Connecticut Department of Social Services office that serves their town.

To Find Application Sites in Connecticut’s Community Resources Database:

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SOURCE: Connecticut Department of Social Services
PREPARED BY: 211/rj
CONTENT LAST REVIEWED: March2017