QUESTIONS ABOUT YOUR 2025 BENEFITS? Turning 65? Recently Moved? Veteran? Let's Talk
do You live on a fixed income and is money tight?
Several Forms of Help Are Available
You may be eligible for additional financial support and have no idea.
We regularly help our clients apply for a variety of kinds of assistance (see below).
You can always apply directly with the institutions offering assistance but their applications ore often confusing and the process can be complicated.
You may assume that you won't qualify because you have too many assets. We know what they count and what they don't, so ever assume you won't qualify.
Every year, we help several dozes of people put thousands of dollars back in their paychecks.
If you would like no-cost help applying for any of these programs, please call us today.
Help is Possible!
"Extra Help"
Beneficiaries whose annual income is below a certain amount and whose assets are below a certain level can get "Extra Help," also known as LIS (Low Income Subsidy).
Benefits include:
- Part D premiums paid for you up to a certain amount
- exemption from any drug deductibles
- drug copays will be $12.15 or lower
Medicare Savings Program
Beneficiaries whose monthly income is below certain levels and whose assets are below a certain level can qualify for the MSP (Medicare Savings Program).
Benefits include:
- Automaticlly eligible for the benefits of "Extra Help" or LIS
- Part B premium is paid for you by the state ($185/mo)
- Certain levels qualify for full cost-share protection, which means all covered healthcare will cost $0
- Eligibility for "Dual Eligible Special Needs Plans (DSNP) that offer far more benefits
Medicaid
Beneficiaries whose monthly income is below certain levels and whose assets are below a certain level can qualify for full Medicaid.
Benefits include:
- "Extra Help"
- Medicare Savings Program
- Additional benefits provided through Medicaid that are above and beyond what Medicare covers
HCBS Waiver
Beneficiaries who have difficulty with ADLs (activities of daily living) may be eligible for Medicaid even if they make above the financial limits established by Medicaid (hence the waiver).
The waiver allows benefiaries to receive much needed help at home with out the need to be institutionalized.