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

Who it's for

Maryland's Medicare Savings Programs pay Medicare costs for residents with limited income: QMB pays Part A and B premiums plus deductibles and copays; SLMB and QI pay the Part B premium. Maryland has expanded these programs with higher income limits than the federal floor. Enrolling also brings federal Extra Help with prescription costs. Apply at a local department of social services or call 1-800-638-3403 for current limits.

What you'll need

• Medicare card
• 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) — Maryland. 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 — 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 and proof of income before you start — these are the two documents required for the application.
2. Check whether you qualify by calling the Maryland MSP unit at 1-800-638-3403. Maryland's expanded income limits change each year and are not published online, so the MSP unit applies the current limits directly. Even if you think your income is too high, it is still worth applying.
3. Choose how to apply: complete the application online or apply by phone at 1-800-638-3403. You can also visit your local Maryland Department of Social Services office in person.
4. Submit your application along with your Medicare card and proof of income through whichever channel you chose.
5. Keep a copy of everything you submit and note the date you applied so you have a record for follow-up.

What to expect: After you submit your application, the Maryland Department of Health will review your documents and determine which program — QMB, SLMB, or QI — you qualify for. Processing times vary, so contact the MSP unit at 1-800-638-3403 if you want an estimate of how long your review may take. If approved, your coverage can help pay Medicare Part A and B premiums, deductibles, and copays depending on the program, and enrollment automatically connects you to federal Extra Help with prescription drug costs. Coverage must be renewed every year, so watch for a renewal notice and respond promptly to avoid a gap in benefits.

Renewals

annual