MEDICARE SAVINGS PROGRAMS: QMB / SLMB / ALMB

All Medicare Savings Programs (also known as MSPs) save the Medicare beneficiary money by paying for the Part B premium. MSPs also pay for Part A premiums. For most people, Part A is free, but if the beneficiary or the beneficary's spouse has not worked enough, he or she must pay a Part A premium.

There are three different MSPs; eligibility depends upon income.

The following income limits are effective through March 2015.

QMB (Qualified Medicare Beneficiary): (Q01) 

Pays both Medicare Part A and Part B premiums, deductibles and co-insurances.
QMB income limits (211% of the Federal Poverty Level):
Single person - $2053.03/month
Married couple - $2766.21/month
NO ASSET LIMIT

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SLMB (Special Low-Income Medicare Beneficiary): (Q03)

Pays Medicare Part B premiums.
SLMB income limits (231% of the Federal Poverty Level):
Single person - $2247.63/month
Married couple-$3028.41/month
NO ASSET LIMIT

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ALMB (Additional Low-Income Medicare Beneficiary): (Q04)

Pays Medicare Part B premiums. Note: ALMB is not an entitlement program and the funding is limited. When available funds are exhausted applications will be denied.
ALMB income limits (246% of the Federal Poverty Level):
Single person - $2393.58/month
Married couple - $3225.06/month
NO ASSET LIMIT

TO APPLY, an application form can be downloaded from the DSS website (http://www.ct.gov/dss/lib/dss/pdfs/w-1qmb.pdf). Applicants may also apply by going to the Connecticut Department of Social Services office that serves their town.

TO FIND APPLICATION SITES IN CONNECTICUT’S COMMUNITY RESOURCES DATABASE:

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SOURCE: Connecticut Department of Social Services
PREPARED BY: 211/rj
CONTENT LAST REVIEWED: March2014