How to apply for Medicare Savings Programs in California (QMB, SLMB, QI)

Who it's for

California's Medicare Savings Programs are part of Medi-Cal and pay some or all of your Medicare costs. Qualified Medicare Beneficiary (QMB) pays Medicare Part A and Part B premiums, deductibles, and co-insurance, for income up to 100% of the federal poverty level. Specified Low-Income Medicare Beneficiary (SLMB) pays the Part B premium, for income up to 120%. Qualified Individual (QI) pays the Part B premium, for income up to 135%. For 2026 that is about $1,816 a month for one person or $2,455 for a couple at the QI level, after the $20 that is not counted. You must have or be eligible for Medicare Part A. Apply at your county Medi-Cal office with the Medicare Savings Programs application (form MC 14A), or ask a HICAP counselor at 1-800-434-0222 for free help applying.

What you'll need

• Medicare card (showing Part A)
• Proof of income

Where to apply

What to say when you call

"Hello, I'm calling to ask about Medicare Savings Programs in California (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 (showing Part A), 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. Check that you have Medicare Part A or can get it. Medicare Savings Programs in California are for people with or eligible for Medicare Part A.
2. Gather your Medicare card showing Part A and proof of income.
3. Apply for the Medicare Savings Programs through your county Medi-Cal office using the Medicare Savings Programs application, form MC 14A. You can apply online or ask for help by phone.
4. Call a HICAP counselor at 1-800-434-0222 if you want free help with the application.
5. Complete the application with your income details and submit the required documents.
6. Watch for notices from your county Medi-Cal office and respond if more information is requested.

What to expect: After you apply, your county Medi-Cal office makes the final decision. The program level depends on your situation. The highest income level shown is for QI, and lower income may qualify you for more help, including QMB, which also pays Medicare deductibles and co-insurance. The dollar figures change each year. California also checks assets, and people who get other Medi-Cal cannot get QI. If approved, renew the benefit each year.

Renewals

annual