How to apply for Medicare Savings Programs (QMB / SLMB / QI) — Massachusetts

Who it's for

Massachusetts pays Medicare costs for residents with limited income — with no asset test, so savings do not count. QMB (monthly income at or below 190% of the poverty level: $2,527 single / $3,427 couple) pays Part A and B premiums plus deductibles, coinsurance, and copays; SLMB/QI (up to 225% FPL: $2,993 / $4,058) pays the Part B premium. Both levels add Health Safety Net coverage and automatic Extra Help with drug costs. The standalone application takes about 5 minutes — no need to be on MassHealth.

What you'll need

• Medicare Savings Programs application (5-minute standalone form)
• Proof of income

Where to apply

What to say when you call

“Hello, I'm calling to ask about Medicare Savings Programs (QMB / SLMB / QI) — Massachusetts. 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 medicare savings programs application (5-minute standalone form), proof of income — 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 proof of income, such as a recent Social Security award letter or pay stub. No asset or savings documents are needed — Massachusetts has no asset test for this program.
2. Get your Medicare card or Medicare information handy. You will need your Medicare details to complete the application.
3. Choose how you want to apply: complete the short online application or call MassHealth at 1-800-841-2900 to apply by phone.
4. Complete the Medicare Savings Programs standalone application. It takes about 5 minutes and you do not need to be enrolled in MassHealth to apply.
5. Submit your proof of income along with your completed application, whether you apply online or by phone.

What to expect: After submitting, MassHealth will review your application and proof of income to determine whether you qualify for QMB or SLMB/QI coverage. Processing times vary, so contact MassHealth at 1-800-841-2900 if you want an estimate of how long a decision may take. If approved, you will also receive automatic Extra Help with Medicare drug costs and Health Safety Net coverage at no extra step. This benefit renews annually, so watch for a renewal notice each year and respond promptly to avoid a gap in coverage.

Renewals

annual