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Do Qualify for Free Medicare?

Have your Medicare premiums and copays been breaking your budget? If so, it may be time to talk to us about financial assistance options. Fortunately, there are quite a few, it is possible that you can find a solution that's right for you.


How can Medicare be free? What Solutions are out there for you?

By and large, Medicare is not considered free. Because you have been contributing to your Medicare services through taxes throughout your life, you will have contributed money to Medicare regardless of the current cost of your copayments or premiums.

However, it's possible to receive assistance for your Medicare Part A and Part B premiums, copays, and other fees. This is called a Medicare Savings Program, which is state-funded help with paying your premiums. In some situations, Part A and Part B deductibles, coinsurance, and copayments may be paid as well.

If you receive Social Security benefits, it may feel like Medicare is free because your Part B premiums can be automatically deducted from your benefit checks, but you are still paying for your coverage. Though this doesn’t necessarily make Medicare free, it's definitely worthwhile to check out the Medicare Savings Program if you need financial assistance. ‍The most common monthly Part B premium is $148.50 (2021). If you have a high income, you'll pay more. In 2021, the Medicare Part B deductible is $203. After you reach this deductible, you pay 20% of the Medicare-approved amount for most care.

What is the difference between Extra Help and the Medicare Savings Program?

When investigating affordable Medicare options, you've likely come across the names Extra Help and Medicare Savings Program. Though Extra Help is a great resource, it is only going to help with Medicare Part D prescription drug costs.

If you're looking for help with your Original Medicare-related costs, look for a Medicare Savings Program. There are four kinds:

  • Qualified Medicare Beneficiary (QMB) program. $1,094/month (individual income) and $1,472/month (married couple income)

  • Specified Low-income Medicare Beneficiary (SLMB) program. $1,308/month (individual income) and $1,762/month (married couple income) ‍

  • Qualifying Individual (QI) program. $1,469/month (individual income) and $1,980/month (married couple income) ‍

  • Qualified Disabled and Working Individuals (QDWI) program. $4,379/month (individual income) and $5,892/month (married couple income)

Bonus: If you qualify for the QMB program, SLMB program, or QI program, you will automatically qualify for Extra Help to assist with your Medicare prescription drug coverage costs.


Income limits will change every year. Different States also have different levels of qualifications. There are also other assets that are looked at for qualification.

Want help determining your Medicare costs Solutions?


Call us for help with your Medicare Solutions. We are here to help take the confusion out of Medicare.

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