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

Who it's for

Medicare Savings Programs pay Medicare costs for people with limited income. Monthly income limits effective 7/1/26–6/30/27: QMB $1,350 single / $1,824 couple (pays Part A and B premiums, deductibles, and copays); SLMB $1,616 / $2,184 (pays the Part B premium); QI $1,816 / $2,455 (pays the Part B premium). The asset limit is $10,000 for one person and $18,000 for two or more. Apply through the county office or MNbenefits.

What you'll need

• Medicare card
• Proof of income
• Proof of assets

Where to apply

What to say when you call

"Hello, I'm calling to ask about Medicare Savings Programs (QMB / SLMB / QI). 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 card, proof of income, proof of assets — 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 Medicare card, proof of income, and proof of assets before you start.
2. Check which program tier fits your income — QMB, SLMB, or QI. If your income is below the QI limit, you may qualify for a lower tier that covers more costs.
3. Choose how to apply: complete the application online through MNbenefits, or call the Minnesota Department of Human Services at 1-800-333-2433.
4. You can also apply in person or by contacting your local county human services office, which makes the final decision on your application.
5. Submit your completed application along with all required documents — your Medicare card, proof of income, and proof of assets.

What to expect: After you submit your application, your county human services office will review it and make the final eligibility decision. Processing times vary, so ask your county office for an estimate of how long to expect. If approved, the program will help pay your Medicare costs based on the tier you qualify for — QMB covers the most, including Part A and Part B premiums, deductibles, and copays, while SLMB and QI each cover the Part B premium. Benefits are renewed annually, so watch for a renewal notice and respond promptly to avoid a gap in coverage.

Renewals

annual