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Medicare Savings Programs
Certain beneficiaries of SSA’s title II disability benefit programs may qualify for help from their state in paying Medicare premiums and other out-of-pocket medical costs. States help by providing a special type of limited Medicaid coverage which is mandated and regulated by the federal government. CMS refers to this assistance as Medicare/Medicaid Dual Eligible programs or Medicare Savings Programs. These special Medicaid programs are for certain eligible Medicare beneficiaries who have little income and few resources. This coverage may help pay for all or part of the Medicare premiums, deductibles and coinsurance.
It is important to understand that Medicare Savings Programs are not the same as regular Medicaid coverage. These programs do NOT pay for services or items that Medicare does not cover, such as prescription medications. In addition, Medicare Savings Programs do not help pay for premiums or other out of pocket expenses associated with “Medi-Gap” plans.
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