Extra Savings Help.

Medicare’s Extra Help program can assist people who have trouble paying their prescription drug costs. The program helps cover the costs of your Medicare drug plan, plus ensures you have no coverage gap, no late enrollment penalty, and can switch plans at any time.

You may qualify for Extra Help in 2018 if you are single, your annual income is less than $18,210, and you have less than $14,100 in savings. (Your savings, or "countable resources" as they're sometimes called, include assets like the money in your checking or savings account, stocks and bonds, mutual funds, and IRAs.) For married people living together (with no dependents), the 2018 limit for annual income is $24,690, and for savings, $28,150.

Note that these limits may be different if you have dependents living with you, or you live and work in Alaska or Hawaii.

You’ll automatically qualify for Extra Help if you have full Medicaid coverage, if Medicaid helps pay your Medicare Part B premium, or you get Supplemental Security Income (SSI) benefits. If you don’t automatically qualify but meet the other requirements, you can apply for Extra Help online at socialsecurity.gov/i1020 or by calling Social Security at 1-800-772-1213.

State Pharmacy Assistance Programs (SPAPs)

Some states offer SPAPs that can help you with prescription drug costs. Eligibility is often based on financial need, age, or medical condition. Contact your State Health Insurance Assistance Program (SHIP) for more information. Find your SHIP contact here.

Pharmaceutical Assistance Programs or Patient Assistance Programs

Many drug manufacturers offer Pharmaceutical Assistance Programs to people with the costs of Medicare drug coverage. If you meet certain requirements, you may be able to receive your prescriptions at no cost or at a reduced rate. For more information, visit Medicare.gov/pharmaceutical-assistance-program.