💊 How to Apply for Medicare Extra Help (LIS)
Cut prescription costs under the Low-Income Subsidy program.
💰
Free application; reduced premiums afterward depending on tier
⏱️
Decisions usually arrive within weeks
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📋 Documents you'll need
- Social Security number
- Income records including pensions
- Asset statements like bank balances
- Completed Social Security Extra Help application
🪜 Step-by-step
- Confirm likely eligibility - limited income around $23k singles/$46k couples plus asset caps around $17k/$34k means help applies.
- Apply online via ssa.gov applyingfor extrahelp portal or by phone appointment.
- Remember Medicaid and SSI recipients automatically qualify without separate application.
- Receive decision letters listing assigned benchmark plans and confirm pharmacy coverage start dates.
- Review annually during open enrollment since subsidy levels shift with income changes.
| Estimated cost | Free application; reduced premiums afterward depending on tier |
|---|---|
| Typical timeline | Decisions usually arrive within weeks |
Note This guide is general information and procedures, fees, and rules can change and vary by state or agency. The official authority is always the relevant government office and its official website. See our Disclaimer.
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Frequently asked questions
Does my house count as an asset?
Primary residences, household vehicles, and personal possessions remain excluded from asset tests.
Which drug plan must I join?
Once approved you enroll in any benchmark plan receiving subsidies rather than staying planless during penalty windows.
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