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.

-The effective date of any Medicare Savings Program eligibility changes has been extended to July 1, 2018 in Connecticut.  Governor Malloy has directed the Department of Social Services to further delay eligibility changes legislated in the bipartisan budget (Public Act 17-2, Section 50). – http://portal.ct.gov/dss/Health-And-Home-Care/Medicare-Savings-Program/Medicare-Savings-Program

NOTE: Medicare beneficiaries affected by the hurricanes in Puerto Rico and the U.S. Virgin Islands are eligible for a special enrollment period (SEP) through March 31, 2018. This SEP provides affected individuals with an additional one-time opportunity to add, drop or change their Medicare health and prescription drug plans.  For more details visit: https://www.cms.gov/About-CMS/Agency-Information/Emergency/Downloads/Extension-SE-Period-PR-VI-CA-Wildfire.pdf

There are three different MSPs; eligibility depends upon income.

These following income limits are effective in 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 – $2,135.32/month
Married couple – $2,894.92/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 – $2,337.72/month
Married couple-$3,169.32/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 – $2,489.52/month
Married couple – $3,375.12/month
NO ASSET LIMIT

To Apply: an application form in English or Spanish, can be downloaded from the DSS website (http://portal.ct.gov/DSS/Health-And-Home-Care/Medicare-Savings-Program/Medicare-Savings-Program). 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: February2018