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The government created the Extra Help program to help people with limited incomes pay for
Medicare Part D coverage. If you qualify, you'll pay less for monthly premiums and have reduced
or no copayments for prescription drugs. In addition, people with Medicare who qualify for Extra
Help will be covered in the coverage gap and will not pay a Part D late enrollment penalty.
Some people are automatically eligible, while others must apply.
You automatically qualify if you have one of the following:
You should apply for Extra Help if you have the following income and resources:
Note: Resources include your savings and stocks, but not your home or car or the value of
any life insurance you may have. The above amounts are for 2020 and may change in 2021. If your
income and resources are slightly higher, you should still apply.
The amount for your monthly premium will depend on the amount of Extra Help you receive.
This table shows you what your monthly plan premium will be if you get Extra Help
If you qualify for Extra Help, Medicare will tell us how much assistance you will receive when you
enroll in our plan, and we'll inform you of the amount you'll be responsible for paying.
To see if you qualify, choose one of the following methods:
The Social Security Administration encourages you to get help from family members, caregivers, and other third parties.
Get ready by following these steps:
The records you will need are:
You may still qualify for Extra Help, but you must re-apply to find out. You have the right to appeal
the decision. To file an appeal, you will need to download, complete, and submit an
Appeal of Determination for Extra Help with Medicare Prescription Drug Plan Costs (PDF) form from Social Security.
Social Security will review your eligibility every year. You do not need to re-apply
unless you are notified that you no longer qualify for Extra Help.
1This does not include any Medicare Part B premium you may pay.