Extra Help (Part D Low-Income Subsidy) in 2026: How to Apply

Extra Help – also called the Part D Low-Income Subsidy (LIS) – lowers what people with Medicare pay for prescription drugs. If your income is limited, it can save you a lot each year. Here is how it works and how to apply in 2026.

What Extra Help pays for

Extra Help can reduce your Part D premium, deductible, and copays at the pharmacy. It works alongside a Medicare drug plan and is separate from the Medicare Savings Program that helps with Part B premiums.

Who is eligible

Extra Help is for people with Medicare who have limited income and resources. You may qualify fully or partially depending on where your income falls. People who already have Medicaid, SSI, or a Medicare Savings Program often get Extra Help automatically.

How to apply

1. Apply free through Social Security online or by phone.
2. Provide income and resource information (bank accounts, investments).
3. If approved, choose or keep a Part D drug plan; Extra Help lowers its costs.

Applying is free – never pay anyone to file for you.

Combine it with other help

Many people who get Extra Help also qualify for a Medicare Savings Program, which can pay the Part B premium. If a Part B premium increase surprised you, read what to do if your Part B premium increases. Understand the parts of Medicare in the Medicare guide, confirm your coverage with the enrollment status guide, and appeal problems with how to appeal a Medicare denial.

What to do next

If your income is limited, apply for Extra Help – even a partial subsidy helps. Gather the documents for the Medicare Savings Program at the same time so you can apply for both.

Why it is worth applying

Even a partial subsidy can save hundreds of dollars a year at the pharmacy, and applying does not affect your other benefits. If your income or resources are close to the limit, apply anyway – Social Security makes the final determination, and the rules count some money differently than you might expect. If you are denied, you can reapply if your situation changes, and you can ask questions at your local Social Security office or your State Health Insurance Assistance Program (SHIP), which offers free Medicare counseling.

Official source

Apply and learn more at ssa.gov/medicare/part-d-extra-help and medicare.gov. It is free.

Frequently asked questions

Do I have to apply if I have Medicaid?

Usually no. People with Medicaid, SSI, or a Medicare Savings Program typically get Extra Help automatically. If you are unsure, you can still apply to confirm.

What does Extra Help save me?

It can lower your drug plan premium, deductible, and pharmacy copays. The exact savings depend on your income and plan.

Where do I apply?

Apply free through Social Security online or by phone. You never pay a third party.

What to Do Next

Ready to act? Applying, checking status, and getting help are free through the official agency – you never pay a third party. Gather what you need, apply or respond early, and keep copies of everything you submit.

Next steps

Ready to take the next step? benefits eligibility quick-check, documents you need to apply. Confirm details at the official Benefits.gov site. Applying is always free, and GlobalBenefits is not a government agency.

Related Medicare guides

Medicaid and medicare dual eligibility, How to enroll in medicare, Medicare advantage vs original medicare. Official source: Medicare.gov.