Q:

What is the Medicare QMB program?

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Quick Answer

The Medicare QMB program provides low-income seniors with help paying their Medicare premiums and some part A and part B medical expenses, explains Medicare.gov. QMB, known as Qualified Medicare Beneficiary, is a Medicare savings program run by individual states.

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Full Answer

Seniors and disabled people who receive Medicare and meet certain requirements get help paying their copayments, coinsurance and deductibles, according to Medicare.gov. As of 2015, the monthly income limit for single individuals is $1,001. The monthly income limit for married individuals is $1,348. To qualify for QMB, individuals who meet the minimum income requirements should call their state Medicaid programs.

The QMB program targets seniors whose incomes are at or below the national poverty level and seniors who have limited resources and assets, notes the National Association of Social Workers. People who qualify for the QMB program do not pay for extended hospital stays, skilled nursing facility stays and the $100 per month annual part B deductible, as of 2015. However, Medicare recipients who qualify for QMB are responsible for certain medical supplies, dental care, eyeglasses and hearing aids. People who do not qualify for QMB may qualify for the Specified Low-Income Medicare Beneficiary Program. The program helps people whose incomes are at or slightly above the national poverty level.

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