Medicare Extra Help is a federal program that helps people with limited income and resources pay for Medicare Part D prescription drug costs. It is also known as the Low-Income Subsidy (LIS). In 2026, Extra Help covers most Part D premiums, eliminates the deductible, and caps copayments at a few dollars per prescription.
What Does Extra Help Cover?
| Cost | Without Extra Help | With Extra Help (Full) |
|---|---|---|
Part D monthly premium | Varies by plan (avg. ~$40) | Reduced or $0 for benchmark plans |
Annual deductible | Up to $615 | $0 |
Copayment per generic drug | Varies | Up to $4.50 |
Copayment per brand drug | Varies | Up to $11.20 |
Coverage gap (donut hole) | Higher cost-sharing | No gap applies |
2026 Income and Resource Limits
| Household Size | Income Limit (Monthly) | Resource Limit |
|---|---|---|
Individual | ~$1,903/month (150% FPL) | $17,220 |
Married couple | ~$2,575/month (150% FPL) | $34,360 |
QMB Enrollees Automatically Qualify
If you are enrolled in a Medicare Savings Program such as QMB, SLMB, or QI, you automatically qualify for Extra Help. You do not need to apply separately.
How to Apply
Apply online at ssa.gov/extrahelp, by calling Social Security at 1-800-772-1213, or by visiting your local Social Security or Medicaid office. There is no cost to apply and no penalty for applying even if you are not sure you qualify.
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