To be eligible for the Qualified Medicare Beneficiary program, people must be eligible for Medicare Part A insurance and their income must be at or below 100 percent of the annual federal poverty level, explains the Center for Medicare Advocacy, Inc. The Qualified Medicare Beneficiary program, known as QMB, helps low-income Medicare beneficiaries pay some or all of their medical expenses.
These requirements reflect federal standards, and states may require more or fewer standards, notes the Center for Medicare Advocacy, Inc. People who qualify for QMB may not need to apply for Medigap coverage or pay for Medicare premiums, and co-payments may not be necessary.
As of 2015, the individual monthly income limit for QMB is $1,001, according to Medicare.gov. The monthly income limit for a married couple is $1,348. The individual resource limit is $7,280, and the resource limit for married couples is $10,980. Resource limits include money in a checking or savings account and ownership of any stocks or bonds. Resource limits do not include houses, cars, burial plots, furniture or other personal items. To apply, people must contact their states' Medicaid programs to see if they qualify. Medicare recommends people to apply for QMB even if their incomes or resources are higher than the state and federal standards.