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

Who it's for

Indiana's Medicare Savings Programs (MSP) help pay Medicare costs for low-income Hoosiers with Medicare: QMB pays Part A & B premiums plus deductibles/coinsurance; SLMB and QI pay the Part B premium ($202.90/month in 2026). Indiana's income limits are HIGHER than the federal floor (2026, per Indiana SHIP): QMB up to $2,015/month single / $2,725 couple; SLMB up to $2,281 / $3,086; QI up to $2,481 / $3,356. Indiana DID retain a resource test ($9,950 single / $14,910 couple). MSP enrollment also triggers automatic Extra Help (Low-Income Subsidy) for Part D drug costs. Apply through the FSSA Benefits Portal or with help from Indiana SHIP (1-800-452-4800).

What you'll need

• Proof of age 65+ and Medicare enrollment
• Proof of Indiana residency
• Proof of income and resources
• Medicare card

Where to apply

What to say when you call

"Hello, I'm calling to ask about Indiana 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 proof of age 65+ and Medicare enrollment, proof of Indiana residency, proof of income and resources — 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 required documents before you start: your Medicare card, proof of age (65 or older), proof of Medicare enrollment, proof of Indiana residency, and proof of your income and resources.
2. Check whether your income and resources may qualify. In 2026, Indiana's income limits reach up to $2,481 per month for a single person and $3,356 per month for a couple at the highest level (QI). Indiana also has a resource limit of $9,950 for a single person and $14,910 for a couple — have your bank statements or other resource documents ready.
3. Choose how you want to apply. You can apply online through the FSSA Benefits Portal or get free one-on-one help by calling Indiana SHIP at 1-800-452-4800.
4. Complete the application by answering all questions about your household, income, and resources, and submit your supporting documents.
5. If you applied online, follow any instructions to upload or mail your documents. If you applied by phone with SHIP, the counselor will guide you through next steps.
6. Watch your mail for a notice from FSSA about your eligibility determination. If you have questions about your application status, contact Indiana SHIP at 1-800-452-4800.

What to expect: After submitting your application, FSSA will review your information and mail you a decision notice. Processing times vary, so contact Indiana SHIP at 1-800-452-4800 if you want an estimate. If approved, your Medicare Savings Program level (QMB, SLMB, or QI) will determine which Medicare costs are covered — QMB covers Part A and Part B premiums plus deductibles and coinsurance, while SLMB and QI cover the Part B premium. Enrollment also automatically qualifies you for Extra Help (Low-Income Subsidy), which lowers your Medicare Part D drug costs. Your coverage must be renewed every year, so watch for a renewal notice from FSSA and respond promptly to avoid a gap in benefits.

Renewals

annual