Senior Resources

Medicare / Health Insurance Programs

Below are a list of Medicare / Health Insurance programs along with requirements.

How / When to Apply for Medicare

Visit the following websites for detailed information on how and when to apply for Medicare based on your own individual situation.

Medicare Savings Program

You can get help from your state paying your Medicare premiums. There are different kinds of Medicare Savings Programs:

  • Qualified Individual (QI)
    • Must be 65+
    • Must have Medicare Part A, Part B or both to apply
    • Pays for Medicare Part B premium only
    • Individuals can’t be eligible for QI and Medicaid
    • Monthly Income Limits: $1386 (individuals) and $1872 (couples). There is no resource limit
  • Specified Low Income Medicare Beneficiary Program (SLMB)
    • Must be 65+
    • Must have Medicare Part A, Part B or both to apply
    • Pays for Medicare Part B premium only
    • Individuals can be eligible for SLMB only or SLMB and Medicaid with spendown
    • Monthly Income Limits: $1234 (individuals) and $1666 (couples). There is no resource limit
  • Qualified Medicare Beneficiary Program (QMB)
    • Must be 65+
    • Must have Medicare Part A, Part B or both to apply
    • Pays for Medicare Part B premium, coinsurances, deductibles and copays
    • Individuals can be eligible for QMB only or QMB and Medicaid
    • Monthly Income Limits: $1032 (individuals) and $1253 (couples). There is no resource limit
Elderly Pharmaceutical Insurance Coverage (EPIC)

This program provides financial assistance to seniors to help with the costs of prescription medications (both generic and brand names).

  • It provides co-payment assistance for Medicare Part D covered prescription drugs after any Part D deductible is met.
  • EPIC also covers many Medicare Part D excluded drugs
  • EPIC may pay for part or all of your Medicare Part D plan premium. Coverage depends on your income.
  • You must be a New York State resident and 65+ to join.
  • Individuals can have Medicaid with spendown only. EPIC is not available to those who are currently receiving full Medicaid benefits.
  • Income limits: $75,000 (individuals) and $100,000 (couples).
Medicaid

Medicaid is a federal and state program that helps with medical costs for some people with limited income and resources.

  • Provides comprehensive health care benefits for persons 65+ or blind/disabled.
  • Provides coverage for: prescription drugs, physician services, hospitals, nursing homes and home care.
  • Monthly Income and Resource Limits:
    • Individuals: $862 income, $15,150 resources
    • Couples: $1,253 income, $22,200 resources
Keep in mind:
Our staff are certified NYS Health Insurance Counselors that are available to offer unbiased assistance and guidance in navigating the Medicare system. If you feel that you might be eligible for any of these programs, please contact our office for application assistance.

Contact

Senior Resources Department
Located At Beltrone Living Center
6 Winners Circle
Colonie, NY 12205