what is qmb

The Qualified Medicare Beneficiary (QMB) program is a Medicare Savings Program that provides Medicare coverage of Part A and Part B premiums and cost-sharing to low-income Medicare beneficiaries. The QMB program is one of the four Medicare Savings Programs that allows beneficiaries to receive financial help from their state of residence with the costs of Medicare premiums and more. The QMB program helps people with Medicare who have limited income and assets pay their premiums, deductibles, and coinsurances. If you have QMB, you should not be billed for any Medicare-covered services you receive from Original Medicare providers or providers in your Medicare Advantage Plan’s network. The QMB program has income and asset limits that must be met in order for someone to qualify for this program. Medicaid will pay for the Medicare premiums, co-insurance, and deductibles for Medicare-covered services for QMB beneficiaries. Medicare providers and suppliers, including pharmacies, are forbidden by federal law from billing people in the QMB program for Medicare cost-sharing.