It is hard to tell from your question which type of Medicare premium you are asking about. There are three kinds of bills you might have to pay: a monthly premium for Part B coverage; a Medicare Part D prescription drug plan; and a monthly premium for both Medicare Part A and B coverage through a Medicare Advantage managed care plan. But whichever of these Medicare programs you have, there is help available if you cannot afford the premiums.
Most people have their Medicare Part B premiums automatically deducted from their monthly Social Security benefits check. But some people who are not collecting Social Security benefits have to pay their Medicare Part B premium directly; they get a bill for their Medicare Part premium every three months. If you are one of these people but cannot afford the premiums, you can apply for one of several programs that can pay the premiums for you. These programs are Medicaid, Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB) and Qualifying Individual (QI). These same programs can also help you if you are enrolled in a Medicare Advantage HMO or other managed care plan.
If you have a Medicare Part D prescription drug plan and are having trouble paying the premium, there is another special program that might help you. This is called the low-income beneficiary program.
You may qualify for one or more of these programs if you have low monthly income and few savings or other assets. Depending on which program you qualify for, you might get not only your Part B premium paid but also all your Medicare deductibles and copayments. If you qualify for a low-income subsidy, it may not only pay your premium but also reduce the cost of your drugs. Fortunately, you can apply for all of these programs at one time and in one place, at your state's own Medicaid office, which is usually at a local county social service or social welfare office. To find out where to apply for Medicaid and these other programs in your state, go to the Benefits.gov web site
and click on the name of your state. This will take you to a page which gives information about the local office where you apply for Medicaid, and tells you how to contact them so you can learn what paperwork, about your income, assets, and medical expenses, to bring with you when you file your application. You can also get free information about where and how to apply by calling the Eldercare Locator toll-free at 800-677-1116.
Another place to get excellent help with this is your local office of the State Health Insurance Program (SHIP) or Health Insurance Counseling and Advocacy Program (HICAP). This non-profit counseling service provides free, expert assistance with questions regarding Medicare, Medicaid and related programs. You can get the number of your state office of SHIP or HICAP from the
Medicare web site's directory
; the state office can then direct you to the local office nearest you.