Topics on this page
- What are the Specified Low Income Medicare Beneficiary (SLMB) & Qualified Individual (QI) programs?
- Income Eligibility
- Asset Eligibility
- Sources of Law
The State of Maryland may assist you in paying for your Medicare premiums. Specified Low Income Medicare Beneficiary program (SLMB) and the Qualified Individual program (QI) program are state programs that helps pay for Medicare Part B (Medical Insurance) premiums for people who have Part A (Hospital insurance) and limited income and resources.
These two state programs only pay for your monthly Medicare Part B medical insurance premium.
For both programs, you must:
- be eligible for Medicare Part A (even if not currently enrolled);
- NOT be financially eligible for medical assistance (Medicaid); and
- have limited income and assets.
For the SLMB Program, the 2020 individual monthly income limit is $1,296, and the married couple monthly income limit is $1,744.
For the QI Program, the 2020 individual monthly income limit is $1,456, and the married couple monthly income limit is $1,960.
$20 income disregard: If the $20 subtraction from the individual's or couple's gross income reduces the income to the number listed above, then the individual or couple probably qualifies for the benefit.
Check the Medicare website for the latest amounts. The Center for Medicare and Medicaid Services (CMS), the federal agency that administers the program, revises the SLMB benefits annually. These figures are usually updated in April of each year and can be found in the Federal Register, the official government source for administrative changes.
The resources limits in 2020 is $7,860 for individuals and $11,800 for a married couple.
- These limits apply to personal assets including cash, bank accounts, stocks, and bonds.
- Countable resources do not include your primary home, one car, a burial plot, up to $1,500 for burial expenses if you have put that money aside, life insurance with a cash value less than $1,500, furniture, and other household and personal items.
QI applications are granted on a first-come, first-served basis, with priority given to people who got QI benefits the previous year.
You can appeal any denial, termination, or reduction of benefits
- Appeals must be filed in writing at the DSS office. It is best to file it in person and to get a receipt showing that you filed the appeal.
- Appeals must be filed within 90 days of the action, or you cannot appeal.
- If you file within 10 days of notice that benefits are being terminated or reduced, they will continue until the decision. If you do not appeal within 10 days, the termination or reduction will happen.
Federal Law: U.S. Code, Title 42 §§ 1396a(a)(10)(E), 1396(p)
Federal Regulations: Code of Federal Regulations, Title 42 § 417
The Federal Medicare website has detailed information and resources.
State Regulations: Code of Maryland Regulations, 10.09.24 et seq.