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 beneficiary’s spouse has not worked enough, he or she must pay a Part A premium.
There are three different MSPs; eligibility depends upon income.
These following income limits are effective in March 2024:
2024 – Assets Do Not Count
QMB (Qualified Medicare Beneficiary):
Pays both Medicare Part A and Part B premiums, deductibles and co-insurances.
QMB income limits (211% FPL) Q01:
Single person – $2,649/month
Married couple – $3,595/month
NO ASSET LIMIT
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SLMB (Special Low-Income Medicare Beneficiary):
Pays Medicare Part B premiums.
SLMB income limits: (231% FPL) Q03:
Single person – $2,900/month
Married couple- $3,935/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) Q04:
Single person – $3,088 /month
Married couple – $4,191/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/jm
CONTENT LAST REVIEWED: March2024