Savings program on Part D Prescription Drug costs

Extra Help – aka LIS (Low Income Subsidy) is a Federal program benefit from the Social Security Administration. Many people qualify for this savings program and don’t realize it. The income thresholds to qualify are generally easier than qualifying for State Medicaid.

Extra Help (LIS) can help with:

• It will reduce copays for prescription drugs
• It may pay some or all of your prescription drug plan premium
• It may pay some of the Medicare Advantage plan premium
• It may eliminate annual deductible required with some prescription drug plans
• It will eliminate Part D Late Enrollment penalty (if you are subject to a penalty)

* Must have a Stand-alone Part D or a Medicare Advantage plan to use the Extra Help benefit. This benefit is particularly helpful if you have more expensive Tier 3 and above (Name Brand) prescriptions

2026 Income and Resource Limits:

Individual: Annual income below $23,475 (or $1,957/mo.) and resources below $16,590. 

Married Couple: Combined annual income below $31,725 (or $2,644/mo.) and joint resources below $33,100. 

You must be enrolled in a Medicare Part D prescription drug plan (this also includes the prescription drug coverage included in a Par C Medicare Advantage plan).

If you aren’t getting Extra Help, you can see if you qualify by calling:

Or you can apply for EXTRA HELP by clicking blue button below:

You should complete the online application above for Extra Help if:

• You have Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance); and

• You live in one of the 50 States or the District of Columbia; and
  
• RESOURCES: (Do NOT count your home, vehicles, personal possessions, life insurance, burial plots, irrevocable burial contracts or back payments from Social Security or SSI.) 
  
  Resources you would count are:
  
  • Real estate (other than your primary residence)
  • Bank accounts including checking, savings and certificates of deposit
  • Stocks
  • Bonds, including U.S. Savings Bonds
  • Mutual funds
  • Individual Retirement Accounts (IRAs)
  • Cash at home or anywhere else

* IMPORTANT: Even if you meet these conditions, DO NOT complete this application if you have Medicare and Supplemental Security Income (SSI) or Medicare and Medicaid because you automatically will get the Extra Help.