Medicaid, Medicare Savings Programs and Extra Help in Idaho

Three Programs, Three Jobs

• Medicare Savings Programs (MSPs) help pay Part A and Part B premiums, and in some cases deductibles, coinsurance and copayments. They are run by your state.
• Extra Help, also called the Part D Low-Income Subsidy, helps pay Part D premiums, deductibles, coinsurance and other drug costs. It is a Medicare program, and we check whether you qualify and complete the application with you.
• Medicaid is a joint federal and state program that helps cover medical costs for some people with limited income and resources. Each state sets its own requirements. About 12 million people are enrolled in both Medicare and Medicaid, according to Medicaid.gov.

Medicare Savings Programs: 2026 Limits

There are four Medicare Savings Programs. The federal income and resource limits are published by the Social Security Administration; states can be more generous, and Alaska and Hawaii have slightly higher income limits.

Two details matter. If you qualify for QMB, Medicare providers are not allowed to bill you for services and items Medicare covers, including deductibles, coinsurance and copayments; show both your Medicare card and your Medicaid or QMB card each time you get care. And QMB, SLMB and QI all qualify you for Extra Help automatically, with drug costs of no more than $12.65 for each covered drug in 2026. QDWI does not.

The 2026 Part B premium these programs can cover is $202.90 a month, as explained in Medicare costs in 2026. Enrolling in a Medicare Savings Program can also mean you generally do not pay a Part B late penalty; see late enrollment penalties.

Extra Help With Drug Costs

You get Extra Help automatically if you have full-benefit Medicaid, a Medicare Savings Program, or Supplemental Security Income (SSI). Otherwise you can apply. The 2026 limits are:

What Extra Help changes:

• Lower Part D premiums, deductibles and copays.
• No Part D late enrollment penalty while you get Extra Help.
• If you qualify and have no drug plan, Medicare enrolls you in one; you can pick a different plan.
• Once approved, you keep Extra Help through December 31, even if your income changes mid-year.
• You can change your drug plan once a month.

When you apply for Extra Help, you can apply for Medicare Savings Programs at the same time: Social Security sends your information to the state to start an MSP application unless you tell it not to. For how drug plans work, see our Part D guide.

Medicaid and Dual Eligibility

People who have both Medicare and full Medicaid are often called dual eligible. Medicare generally pays first, and Medicaid can help with costs Medicare does not cover. Medicaid for older and disabled adults can also include home and community based services and nursing home coverage, and each Medicaid program has its own income limits. We check whether you may qualify and help you apply.

Some Medicare Advantage plans are designed for people with both Medicare and Medicaid. Whether one is available depends on your county and plan year, so check current options with us.

How We Help You Apply

1. Medicaid and Medicare Savings Programs: we check whether you may qualify and help you apply. The state decides which program, if any, you qualify for. Our licensed agents at Personal Touch do this with you at no cost. Call or text 208-350-9933.
2. Extra Help: we complete the Social Security application with you and can start your MSP application with the state at the same time.
3. Apply even if you are unsure. States may not count certain income or resources, so it can be worth applying for an MSP even if you think you are over the limit.

Keep recent bank statements, proof of income such as a Social Security award letter, and your Medicare card ready.

How Help Changes Your Plan Choices

Qualifying for help can change which plan makes sense. Extra Help can reduce or remove premiums for certain drug plans, and the monthly chance to change drug plans gives you flexibility the rest of Medicare does not have. Before choosing, check your doctors and prescriptions against each option; our guide on checking doctors and drugs shows how.

Frequently Asked Questions

Related Guides

• Who Is Eligible for Medicare? Age, Disability and Sign-Up RulesWho qualifies at 65 or earlier, who is enrolled automatically, and who has to sign up.
• Medicare Enrollment Periods: Every Window, Date and DeadlineIEP, Open Enrollment, the MA Open Enrollment Period, GEP, SEPs and Medigap open enrollment.
• Medicare Costs in 2026: Premiums, Deductibles and CoinsuranceThe 2026 Part A and Part B numbers, and what they mean for your budget.
• Medicare Advantage vs. Medigap in Idaho: How to ChooseNetworks, costs, drug coverage, and Idaho’s 63-day Medigap birthday rule.
• Medicare Part D Explained: Coverage, Costs and the Out-of-Pocket CapThe 2026 and 2027 deductible and cap, $35 insulin, and how to compare drug plans.
• IRMAA Explained: Medicare’s Income-Related Premiums for 2026The 2026 income brackets, what each adds to Part B and Part D, and how to appeal.
• Medicare Late Enrollment Penalties: Part A, Part B and Part DHow each penalty is calculated, how long it lasts, and how to avoid it.
• Turning 65 in Idaho: A Step-by-Step Medicare ChecklistWhat to do before, during and after your 65th-birthday month.
• Working Past 65: How Medicare Works With Employer CoverageWho pays first, when delaying Part B is safe, HSAs, and the 8-month window.
• How to Check Your Doctors and Drugs Before Choosing a Medicare PlanA practical method for networks, formularies, pharmacies and yearly cost.

Coverage pages for this topic: Medicare Advantage · Medicare Supplement · Medicare Part D. Other topics in the Learning Center: Health Insurance (ACA), Life Insurance, Final Expense, Annuities, Long-Term Care, Disability Insurance, Supplemental Health, Short-Term Medical, Travel Insurance.