Documents Needed for a Medicare Savings Program in 2026

Medicare Savings Programs (MSPs) help people with limited income pay their Medicare costs – often the entire Part B premium. Because MSPs are run by your state Medicaid office, you apply there with a short list of documents. Here is what to gather in 2026.

Proof of identity and Medicare

• Your red, white, and blue Medicare card (or your Medicare number).
• A photo ID, such as a driver’s license or state ID.
• Your Social Security number.

Proof of income

MSPs are based on income, so bring documentation of everything you receive:

• Your Social Security or SSDI award letter.
• Pension, annuity, or retirement account statements.
• Pay stubs if you work.
• Any other regular income.

Proof of resources

Most MSP categories also look at resources (though some states have dropped resource limits):

• Bank statements for checking and savings.
• Statements for stocks, bonds, or other investments.
• Note: your home and usually one car do not count.

The four levels of help

Medicare Savings Programs come in four types, and the state places you in the one that fits your income:

• QMB pays your Part A and Part B premiums plus deductibles, coinsurance, and copays.
• SLMB pays your Part B premium.
• QI also pays your Part B premium (funded first-come each year).
• QDWI helps certain working people with disabilities pay the Part A premium.

You do not choose a level – you provide your documents and the state decides which one applies.

How to apply

Apply free through your state Medicaid office, online, by mail, or in person – never pay a third party. Learn how the program pays your premium in the Medicare Savings Program guide, review how the parts work in the Medicare guide, and see other help paying Medicare costs. Check the Medicaid eligibility rules too, since many people are eligible for both.

A bonus worth knowing

Qualifying for an MSP usually enrolls you automatically in Extra Help (the Part D Low-Income Subsidy), which lowers your prescription drug costs. That makes applying doubly worthwhile.

Official source

Learn about the programs and cost limits at medicare.gov/basics/costs/help/medicare-savings-programs. Applying is free.

Frequently asked questions

Where do I apply for a Medicare Savings Program?

Through your state Medicaid office, not Medicare itself. You can apply online, by mail, or in person for free.

What if my income is a little over the limit?

Apply anyway. Limits vary by state and program level, some states have no resource test, and only the agency can make the final decision.

Will an MSP help with drug costs too?

Yes. Qualifying usually enrolls you in Extra Help, which lowers your Part D prescription costs.

What to Do Next

Ready to act? Applying, appealing, and getting help are free through the official agency – you never pay a third party. Move quickly on any deadline, keep copies of what you submit, and reach out for free local help if you need it.

See also: Medicaid and Medicare dual eligibility.

Related Medicare guides

How to check your medicare enrollment status, Medicare advantage vs original medicare. Official source: Medicare.gov.

Related guides

• How to enroll in Medicare
• Medicaid vs Medicare
• Check what you qualify for
• Documents you need to apply
• SNAP food benefits guide

Gather documents for your state MSP application

You apply for a Medicare Savings Program through your state Medicaid office, and each state sets its own income and resource limits – they are not the same everywhere. Have your Medicare card, proof of income, and proof of resources ready. Official information: Medicare.gov, or call 1-800-MEDICARE (1-800-633-4227).

Related guides: how to apply for Medicaid by state.

Last verified: July 2026. GlobalBenefits.org is an independent guide, not a government agency; confirm details with the official agency.