Medicare Savings Programs also known as the Buy-in or Quimby (QMB).
Could You Qualify for Help Paying for Medicare?
If you’re on Medicare in Maine, you may qualify for a program that helps pay your premiums and out-of-pocket costs. It’s called the Medicare Savings Program (MSP), and it can make a huge difference in your monthly budget.
There are two main levels of MSP coverage:
- Qualified Medicare Beneficiary (QMB)
- Qualified Individual (QI)
Both programs can lower what you pay for Medicare, but each works a little differently.
What QMB Covers
If you qualify as a QMB, you could have:
- Your Medicare Part B premium paid for you (that’s the monthly cost for doctor visits and outpatient care).
- Help with certain deductibles, copays, and coinsurance.
- Automatic enrollment into the Extra Help program for prescriptions, which reduces your Part D premium, lowers your copays at the pharmacy, and helps with the donut hole.
What QI Covers
If your income is a little higher, you may still qualify for the QI program. QI pays for your Part B premium and also enrolls you into Extra Help for prescription drug savings.
2025 Monthly Income Limits in Maine
- QMB: Up to $2,413 (single) / $3,261 (couple)
- QI: Up to $3,261 (single) / $4,407 (couple)
And here’s some good news: In 2025, Maine does not have an asset test for MSP. That means your savings, car, or home won’t prevent you from qualifying. Some income deductions may also apply, making it easier for people who are “just over” the limits to qualify.
Why This Matters for Your Medicare Plan
If you qualify for QMB or QI, it can change everything about how your Medicare works:
- Your prescription costs can drop dramatically.
- You may become eligible for different Medicare Advantage plans, including some with extra benefits like those grocery cards you’ve been hearing about.
- The plan you’re on now might not be the most economical choice once you qualify.
How to Apply
You can apply for MSP through My Maine Connection, or by submitting a MaineCare application by mail, email, or fax to the Maine Department of Health and Human Services.
But before you apply, it’s smart to talk with someone who understands how MSP interacts with your Medicare coverage.
Let’s See If You Qualify
That’s where I come in. As a local Medicare advisor, I can:
- Help you figure out if you qualify for QMB or QI.
- Review how Extra Help will affect your prescription costs.
- Compare your Medicare Advantage options so you’re not leaving benefits or savings on the table.
If you think you might qualify—or if you’re not sure—reach out to me today. Even if you’ve applied before and didn’t qualify, 2025 income limits are higher than previous years and will probably increase again in 2026, so it’s worth checking again.
You’ve worked hard for your benefits. Let’s make sure you’re getting all the help you deserve.
Still have questions?
If you would like to talk about this program or schedule a meeting, you can reach me at 207-370-0143 or use my simple form on the CONTACT ME page of this site to send an email message.
The best part about working with me is that it will not cost you anything to discuss your options or to review the plans that are available. I am paid by the insurance companies in the form of a commission if you enroll in a plan, just like your car insurance agent.
You will not pay any more than anyone else and you are under no obligation whatsoever to enroll in any plans if you meet with me. My goal is to help you and I have found great joy in being able to offer my services to people who need my help.
Schedule a phone call today.
I can answer all your questions over the phone and I can help you with everything you need to know. I have all the forms and applications you need and I can also help you complete the applications and submit them on your he.