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Help Paying for Medicare Costs.
Who Qualifies?
Who Qualifies?
Depending on your income, resources and other factors, you may be eligible for certain federal, state and local programs that help Medicare beneficiaries pay for medical costs like prescriptions, premiums, deductibles and copayments. You may qualify for extra help if you have Medicare Parts A & B and also have one or more of the following programs.
Medicaid (Dual-Eligible)
Dual-Eligible is the term used to describe people who are enrolled in both Medicare and Medicaid. Dual-Eligible beneficiaries are individuals who are enrolled in Medicare Part A and/or Part B and receive full Medicaid benefits and/or assistance with Medicare premiums. They receive cost sharing through state-run Medicare Savings Programs (MSP), which provide help for premiums, deductibles, coinsurance and copayments, depending on the participant's income level and the specific MSP.1
Some private insurance companies, like Humana, have plans that are specifically designed for Dual-Eligible consumers. Humana Dual-Eligible Special Needs Plans combine all the benefits of Medicaid and Medicare plus they include additional coverage and extra benefits in one easy to manage plan. They may also reduce your payments for premiums, deductibles, and prescription drugs.
Plans not available in all areas. Costs, coverage, and benefits vary by location.
1 https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs
Some private insurance companies, like Humana, have plans that are specifically designed for Dual-Eligible consumers. Humana Dual-Eligible Special Needs Plans combine all the benefits of Medicaid and Medicare plus they include additional coverage and extra benefits in one easy to manage plan. They may also reduce your payments for premiums, deductibles, and prescription drugs.
Plans not available in all areas. Costs, coverage, and benefits vary by location.
1 https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs
Medicare Savings Programs (MSP)
Under this program, your state Medicaid program helps you pay your Medicare premium, and in some cases, your deductibles and coinsurance, if you meet certain conditions. Many people receive help through Medicare Savings Programs, which have different names in different states.
For more information, contact your State Medicaid Program or visit Medicare.gov
For more information, contact your State Medicaid Program or visit Medicare.gov
Programs of All-inclusive Care for the Elderly (PACE)
This program offers a combination of medical, social, and long-term-care services. It is available only in states that choose to offer it under Medicaid. Eligibility requirements vary from state to state. For details, contact your state medical assistance office.
For more information, contact your State Medicaid Program or visit Medicaid.gov
For more information, contact your State Medicaid Program or visit Medicaid.gov
Supplemental Security Income (SSI) benefits
This is help for people who are disabled, blind, or over age 65, and have limited financial resources. SSI is not the same as Social Security benefits.
For more information, contact your local Social Security office or visit the social security website. You can also use their Benefits Eligibility Screening Tool (BEST) to find out if you're eligible.
For more information, contact your local Social Security office or visit the social security website. You can also use their Benefits Eligibility Screening Tool (BEST) to find out if you're eligible.
"Extra Help" with Prescription Drug Costs - Low Income Subsidy (LIS)
The federal government helps many Medicare beneficiaries pay their prescription drug costs through the Low Income Subsidy (LIS), also known as “Extra Help” program. Those who qualify for the Medicare Extra Help program get free or reduced drug coverage premiums and reduced out-of-pocket costs like deductibles and coinsurance.
Some people qualify for prescription drug help automatically, while others need to apply. In order to qualify for this assistance you must be receiving Medicare, live in the U.S. and meet certain resource and income requirements.
It’s important to note, applying for extra help is not the same as joining a prescription drug plan. Whether you qualify for extra help or not, you must also enroll in a plan to get prescription drug coverage. If you do qualify for extra help, and choose to get your part d prescription drug coverage through Humana, we will send you a Low Income Subsidy (LIS) rider telling you how much help you’ll get next year towards your drug plan premium, deductible, and copayments.
For more information, contact your local Social Security office or visit the social security website to see if you qualify, and apply.
Some people qualify for prescription drug help automatically, while others need to apply. In order to qualify for this assistance you must be receiving Medicare, live in the U.S. and meet certain resource and income requirements.
It’s important to note, applying for extra help is not the same as joining a prescription drug plan. Whether you qualify for extra help or not, you must also enroll in a plan to get prescription drug coverage. If you do qualify for extra help, and choose to get your part d prescription drug coverage through Humana, we will send you a Low Income Subsidy (LIS) rider telling you how much help you’ll get next year towards your drug plan premium, deductible, and copayments.
For more information, contact your local Social Security office or visit the social security website to see if you qualify, and apply.
Medicare Advantage
Medicare Advantage is also known as Part C. This is a plan that is offered by a private insurance company, such as Humana. It covers what Original Medicare Parts A and B would cover plus more. Most of Humana's Medicare Advantage Part C plans come with added benefit options to help you stay healthy like Part D prescription drug, dental, and vision coverage at no extra cost. As a Humana member, you'll also enjoy access to program's benefits designed to help you stay on budget - like a maximum out of pocket limit, zero dollar premium plans in most areas, and Maximize Your Benefit® Rx - a program to help you save on high-cost medications.
In 2019, Humana Medicare Advantage Prescription Drug plan members saved an estimated $7,800 on average on their prescription costs.*
Learn more about all-in-one Medicare Advantage plans from Humana.
In 2019, Humana Medicare Advantage Prescription Drug plan members saved an estimated $7,800 on average on their prescription costs.*
Learn more about all-in-one Medicare Advantage plans from Humana.
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Humana’s team of licensed sales agents can help answer your questions, review your options and help you find a Humana plan that’s right for you.
There are many reasons why you may be eligible to enroll in a Medicare plan right now.
See them here
If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.
Call a licensed Humana sales agent to see if you qualify to enroll today.
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*2019 Humana Member Savings Report. This report estimates average member savings by comparing the usual and customary pharmacy prices for prescription drugs purchased without insurance to an average member’s out-of-pocket costs and premiums for prescription drugs covered by their plan.
Plans not available in all areas. Costs, coverage, and benefits vary by location.
This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.
Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.
Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. Humana does not exclude people or treat them differently because of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.
This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.
Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.
Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. Humana does not exclude people or treat them differently because of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.
Last Updated: 10/1/2021