QMB, SLMB, and QI — Qualified Medicare Beneficiary
QMB, SLMB, and QI are three types of Medicare Savings Programs. Each one helps pay different Medicare costs based on your income level.
Official source: medicare.gov
QMB, SLMB, and QI are programs that help people pay for Medicare. Medicare is health insurance for people 65 or older, some younger people with disabilities, and people with End-Stage Renal Disease. These programs can help you pay for your Medicare premiums and other costs. This can save you a lot of money on your healthcare. Each program has different rules about how much money you can make to qualify. The QMB program (Qualified Medicare Beneficiary) helps pay for Medicare Part A and Part B premiums, deductibles, and coinsurance. The SLMB program (Specified Low-Income Medicare Beneficiary) helps pay for Medicare Part B premiums. The QI program (Qualified Individual) also helps pay for Medicare Part B premiums. You can only get help from the QI program if you do not get other Medicaid benefits. These programs are important because they make healthcare more affordable. They can help you keep your health insurance and get the medical care you need without worrying as much about the cost. If you think you might qualify for one of these programs, you should contact your state Medicaid office. They can tell you more about the programs and help you apply.
In real life
- A QMB recipient gets help with Part A and B premiums plus deductibles and most copays.
- Maria is on SLMB, so she doesn't have to pay her Medicare Part B premium each month. This saves her money for groceries.
- David qualifies for QI, which means he gets help paying his Medicare Part B premium. He can use that extra cash for his grandkids' birthday presents.
Also known as
Take the next step
Frequently asked questions about QMB, SLMB, and QI
What is QMB, SLMB, and QI?+
QMB, SLMB, and QI are three types of Medicare Savings Programs. Each one helps pay different Medicare costs based on your income level.
Who qualifies for QMB, SLMB, and QI?+
Most people 65+, plus some younger people with qualifying disabilities or end-stage renal disease.
How do I apply for QMB, SLMB, and QI?+
Most people are enrolled automatically at 65. To pick a plan or sign up manually, go to medicare.gov or call your free SHIP counselor. Official forms and instructions: https://www.medicare.gov/basics/costs/help/medicare-savings-programs.
Where can I get help?+
Call your free State Health Insurance Assistance Program (SHIP) for one-on-one Medicare counseling at no cost, or compare plans at medicare.gov.
Source: medicare.gov