How to apply for Medicare Savings Programs in Iowa (QMB, SLMB, E-SLMB)

Who it's for

Iowa's Medicare Savings Programs help people with Medicare and limited income pay Medicare costs. QMB pays Medicare Part A and Part B premiums, the Part B deductible, and co-insurance and deductibles. SLMB and E-SLMB (Expanded SLMB) pay the Medicare Part B premium. People in these programs also get Extra Help paying for prescription drugs. The 2026 monthly income limits are: QMB $1,330 for one person or $1,804 for a married couple; SLMB less than $1,596 or $2,164; E-SLMB less than $1,796 or $2,435. Resources must be under $9,950 for one person or $14,910 for a married couple. Apply in the Iowa HHS Benefits Portal, or call 1-855-889-7985.

What you'll need

• Call to ask what to bring

Where to apply

What to say when you call

"Hello, I'm calling to ask about Medicare Savings Programs in Iowa (QMB, SLMB, E-SLMB). 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 call to ask what to bring — 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. Review the program rules to see which level may fit your situation. QMB needs Medicare Part A. SLMB and E-SLMB need both Part A and Part B, and they are for people who do not qualify for other Medicaid.
2. Check your income and savings before you apply. The highest income level shown is for E-SLMB, and lower income may qualify you for more help.
3. Call Iowa HHS to ask what documents to bring or have ready for your application.
4. Apply through the Iowa HHS Benefits Portal, or apply by phone at 1-855-889-7985.
5. If you have questions while applying, call Member Services at 1-800-338-8366.
6. If your income or savings seem too high, ask Iowa HHS about Medically Needy, also called spend down.

What to expect: After you apply, Iowa HHS reviews your information and makes the final decision. If approved, the program can help pay Medicare costs, and people in these programs also get Extra Help paying for prescription drugs. Processing times can vary, so ask Iowa HHS for an estimate. Renewal is required every year.

Renewals

annual