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 2016.

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 - $2069.91/month
Married couple - $2802.08/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 - $2262.11/month
Married couple-$3067.68/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 - $2413.26/month
Married couple - $3266.88/month
NO ASSET LIMIT

TO APPLY, an application form in English or Spanish, can be downloaded from the DSS website (http://www.ct.gov/dss/cwp/view.asp?a=2345&q=451382). 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: March2015