What is the Qualified Medicare Beneficiary (QMB) Program?

Medicare Part A and Part B Premiums 

Many people with Medicare Part A (hospital coverage) don’t have to pay a premium, but if you do have to pay a Part A premium, QMB may cover that. QMB also helps by paying your monthly Medicare Part B premium. In 2026, the Part B premium is $202.90 each month.  

Deductibles, Coinsurance and Copayments 

QMB also helps with many of the out-of-pocket costs that come with Original Medicare Part A and Part B. This includes your deductibles, coinsurance and copayments. These are the amounts you normally pay when you receive medical services or hospital care. When you're a Qualified Medicare Beneficiary, your Medicare providers generally aren't allowed to bill you for costs that Medicare doesn’t cover. This means fewer unexpected bills and a clearer picture of your healthcare expenses.

Prescription drugs are NOT covered by the Qualified Medicare Beneficiary Program 

The program does not pay for prescription drugs, but if you qualify for the QMB program, you are automatically eligible for Extra Help , a federal program that helps cover the costs of prescription drugs under Medicare Part D . 

Who qualifies for the Qualified Member Beneficiary Program?

The QMB Program is for Medicare members with limited income and resources. The exact dollar figures can change a bit each year and may change from state to state, but here's a general idea of what's considered. 

Income: Your income must be at or below a certain level (usually around the federal poverty level). Your state Medicaid office opens in new window can give you the most current and exact income guidelines for your area.  

In 2025, the monthly income limit for an individual is around $1,325.¹ The exact dollar figure may vary from state to state.  

Savings or other assets: This typically includes things like money in checking or savings accounts, stocks, and bonds. Assets not usually counted include your home, 1 car, burial plots, and up to $1,500 for burial expenses. 

For 2025, the federal resource limit for an individual is $9,660.¹ Again, check with your state to get the most current information. 

How do I apply for the Qualified Medicare Beneficiary (QMB) Program?  

To apply, contact your state’s Medicaid office opens in new window .  

What other Medicare Savings Programs are available? 

Other Medicare Savings Programs for members with limited income and resources include: 

• Specified Low-Income Medicare Beneficiary (SLMB ) Program 
• Qualifying Individual (QI ) Program 
• Qualified Disabled and Working Individuals (QDWI ) Program  

If you think you might qualify for a Medicare Savings Program based on your limited income and resources, reach out to your state Medicaid office today.