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: 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 call the Social Security Administration at 1-800-772-1213 to apply by phone.
3. Complete the Extra Help application by answering questions about your income, resources, and household. Provide all requested document information accurately.
4. Submit your completed application online or confirm all information with the SSA representative if applying by phone.
5. Keep a copy of your application or note your confirmation details for your records.

What to expect: After submitting, the Social Security Administration will review your application and verify your eligibility. Processing times vary, so contact SSA at 1-800-772-1213 for an estimate on your specific case. If approved, Extra Help can lower your Medicare Part D prescription drug costs by covering your Part D premium, capping copays, and eliminating the coverage gap. Extra Help is reviewed once a year — SSA will automatically verify your eligibility annually, but watch for any notices asking you to confirm or update your information to avoid a gap in benefits.

Renewals

annual review; SSA verifies eligibility once a year