If you have Medicare and you’re facing challenges paying for health care, you may qualify for Medicare programs that can help you save money on drug and medical costs.


If you have limited income and resources, you may qualify for Medicaid—a joint federal and state program that helps with medical costs. Medicaid also offers benefits not normally covered by Medicare, like nursing home care and personal care services. Each state has different rules about eligibility and applying for Medicaid. Contact your State Medical Assistance (Medicaid) Office to see if you qualify, learn how to apply, and how Medicare works with Medicaid.

Medicare Savings Programs

Even if you don’t qualify for Medicaid, one of these 4 Medicare Savings Programs may be able to help you pay your premiums and other Medicare costs:

Contact your state Medicaid program to see if you’re eligible for savings through one of these programs.

Extra Help

If you qualify for Medicaid or one of the Medicare Savings Programs above, you’ll also get Extra Help paying for your prescription drugs automatically. Extra Help is a program that helps people with limited income and resources pay Medicare prescription drug costs, like premiums, deductibles, and coinsurance. If you don’t automatically qualify for Extra Help, you can apply online at socialsecurity.gov.

Not eligible for any of these programs?

Even if you don’t qualify to get help with Medicare, choosing the right health and drug coverage can help you save money. Medicare’s Open Enrollment (October 15–December 7) is a great time to make any necessary changes. Use our Medicare Plan Finder to compare Medicare coverage options and find health and prescription drug plans that meet your unique needs.