Medicare help & savings programs, in plain language
These are the main programs that lower what you pay for Medicare. Most people who qualify never claim them. Here's what each one does, who it's for, and how to apply — no jargon.
Extra Help (Part D)
Cuts prescription drug costs to near zero — worth about $5,700 a year — for people with limited income and savings.
Learn more →Medicare Savings Programs
Pay your Part B premium ($202.90/mo) — and the QMB level also covers your deductibles and copays.
Learn more →No-asset-test states
14 states plus D.C. don't count your savings at all — so you may qualify even with money in the bank.
Learn more →Your state's programs
Every state sets its own limits and adds its own programs. See the 2026 rules and how to apply where you live.
Learn more →Medicaid & more
Full Medicaid, state pharmaceutical assistance, and help with food, utilities, and property tax.
Learn more →Not sure which apply to you? Run the free 2-minute check → — no account needed.