How to apply for Extra Help (Part D Low-Income Subsidy)

Who it's for

Extra Help (also called the Part D Low-Income Subsidy or LIS) lowers your prescription drug costs under Medicare Part D. It can pay your Part D premium, cap copays at a few dollars per prescription, and eliminate the coverage gap. The Social Security Administration estimates Extra Help is worth about $5,300 a year for people who qualify. It's frequently bundled with QMB / SLMB / QI but you can apply independently.

What you'll need

• Social Security number
• Most recent bank statements
• Proof of income (Social Security award letter, pension, wages)
• Tax returns if filed
• Medicare card (if enrolled)

Where to apply

What to say when you call

"Hello, I'm calling to ask about Extra Help (Part D Low-Income Subsidy). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need social Security number, most recent bank statements, proof of income (Social Security award letter, pension, wages) — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your documents before you start. You will need your Social Security number, most recent bank statements, proof of income (such as a Social Security award letter, pension statements, or wage records), tax returns if you filed them, and your Medicare card if you are already enrolled in Medicare.
2. Choose how you want to apply. You can apply online or by calling the Social Security Administration at 1-800-772-1213.
3. Complete the Extra Help application. Answer all questions about your income, resources, and household. Double-check your answers before submitting.
4. Submit your application along with any documents requested. Keep copies of everything you send in for your records.
5. Wait for a decision letter from the Social Security Administration. Processing times vary, so contact the agency directly if you want an estimate of how long it may take.

What to expect: After you submit your application, the Social Security Administration will review your income and resources to determine whether you qualify for Extra Help. You will receive a written notice explaining the decision. If approved, the benefit will help lower your Medicare Part D prescription drug costs, which may include reduced premiums, lower copays, and elimination of the coverage gap. Extra Help is reviewed once a year — the Social Security Administration verifies your eligibility annually, so watch for any renewal notices and respond promptly to avoid a gap in your benefit.

Renewals

annual review; SSA verifies eligibility once a year