Medicare Savings Programs

Medicare Savings Programs (MSP) are federal and state-funded programs that assist people on Medicare who have limited income and assets by paying some Medicare expenses, such as premiums, deductibles, and coinsurance. A person’s county, tribal or state servicing agency determines who is eligible for an MSP.

There are four types of MSPs:

• Qualified Medicare Beneficiary (QMB)
• Service Limited Medicare Beneficiary (SLMB)
• Qualified Individual (QI)
• Qualified Working Disabled (QWD)

Although the eligibility requirements and benefits are different, MSPs follow many of the same eligibility policies as Medical Assistance for People Who Are Age 65 or Older and People Who Are Blind or Have a Disability (MA-ABD).

This chapter includes policies that apply to MSPs and links to relevant MA and Minnesota Health Care Programs (MHCP) policies.

1. MSP General Requirements
2. MSP Applications
3. MSP Cooperation
4. MHCP Fraud
5. MHCP Inconsistent Information
6. MSP Mandatory Verifications
7. MSP Medicare Overview
8. MHCP Overpayments
9. MSP Referral for Other Benefits
10. MSP Retroactive Coverage
11. MHCP Rights 1. MHCP Appeals 2. MHCP Authorized Representative 3. MHCP Civil Rights 4. MHCP Data Privacy 5. MHCP Notices
12. MSP Types of Medicare Savings Programs
13. MSP Non-Financial Eligibility
14. MA Citizenship and Immigration
15. MA County Residency
16. MA Social Security Number MHCP State Residency

MSP Financial Eligibility

1. MSP Assets
2. MSP Household Composition and Family Size
3. MSP Income

MSP Post-Eligibility

1. MA Begin and End Dates
2. MA Benefit Recovery (MSP benefits before 1/1/2010)
3. MA Estate Recovery (MSP benefits before 1/1/2010)
4. MA Liens (MSP benefits before 1/1/2010)
5. MHCP Change in Circumstances
6. MSP Cooperation
7. MHCP Fraud
8. MHCP Inconsistent Information
9. MSP Referral for Other Benefits
10. MA-ABD Renewals