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(a) The first $20 of your & your spouse's monthly income, earned or unearned ($20 per couple max) The most common income disregards, also known as deductions, include: Gross income is counted, although there are certain types of income that are disregarded.

The rules for counting income for SSI-related (Aged 65+, Blind, or Disabled) Medicaid recipients, borrowed from the SSI program, apply to the MSP program, except for the new rules about counting household size for married couples. Income is determined by the same methodology as is used for determining in eligibility for SSI.See 2022 Fact Sheet on MSP in NYS by Medicare Rights Center ENGLISH SPANISH The figures in the chart are based on a document issued by HRA in March 2022 (Box 7) based on the 2022 FPL. The income limits are tied to the Federal Poverty Level (FPL). Cannot have both, not even Medicaid with a spend-down.Įach of the three MSP programs has different income eligibility requirements and provides different benefits. NO! Must choose between QI-1 and Medicaid. See GIS 07 MA 027.Ĭan Enroll in MSP and Medicaid at Same Time? Yes – may be retroactive to 3 rd month before month of applica-tion, but only within the current calendar year. Yes – Retroactive to 3 rd month before month of application, if eligible in prior months Yes - Benefits begin the month after the month of the MSP application. Pays Part A & B deductibles & Co-insurance YES, and also Part A premium if did not have enough work quarters and meets citizenship requirement. Since April 1, 2008, none of the three MSP programs have resource limits in New York - which means many Medicare beneficiaries who might not qualify for Medicaid because of excess resources can qualify for an MSP. May MSP be Retroactive 3 months before Application?Ĩ Special Rules for QMBs - How Medicare Cost-Sharing Works.What Happens After MSP Approved - How Part B Premium is Paid Enrolling in an MSP for People age 65+ who Do Not Qualify for Free Medicare Part A - the "Part A Buy-In Program"ħ. MIPPA - SSA Notifies Social Security recipients that they may be eligible for MSP based on their income.Ħ. Enrolling in an MSP - Automatic Enrollment & Applications for People who Have MedicareĪpplying for MSP Directly with Local Medicaid Program - including those who already have Medicaid through local Medicaid program but need MSP, and those newly applying for MSPĮnrolling in an MSP if you have Medicaid and Just Became Eligible for Medicare No Medicaid Lien on Estate to Recover Payment of Expenses Paid by MSPįood Stamps/SNAP not reduced by Decreased Medical Expenses when Enroll in MSP - at least temporarilyĥ. MSPs Automatically Waive Late Enrollment Penalties for Part B - and allow enrollment in Part B year-round outside of the short Annual Enrollment Period The Three MSP Programs - What are they and how are they Different?Ĥ. Income Limits & Rules and Household Sizeģ. Summary Chart of MSP Programs with current income limitsĢ. Note: Some consumers may be eligible for the Medicare Insurance Premium Payment (MIPP) Program, instead of MSP. Those in QMB receive additional subsidies for Medicare costs.ĭownload the 2022 Fact Sheet on MSP in NYS by Medicare Rights Center ENGLISH SPANISH There are three separate MSP programs, the Qualified Medicare Beneficiary ( QMB) Program, the Specified Low Income Medicare Beneficiary (SLMB) Program and the Qualified Individual (QI) Program, each of which is discussed below. Medicare Savings Programs (MSPs) pay for the monthly Medicare Part B premium for low-income Medicare beneficiaries and qualify enrollees for the "Extra Help" subsidy for Part D prescription drugs. Heads Up - Income Limits for MSP's will increase in 2023 in NYS - see more here!