Medicare Savings Program

The Medicare Savings Program (MSP) in New York State helps low-income Medicare beneficiaries afford healthcare costs. It covers Medicare Part B premiums and, in some cases, Part A premiums, deductibles, and coinsurance. Eligible individuals must meet income and resource limits, which vary by program level (e.g., Qualified Medicare Beneficiary or Specified Low-Income Medicare Beneficiary). MSP also provides automatic enrollment in Extra Help for prescription drugs, reducing out-of-pocket costs.

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Extra Help

Extra Help, also known as Low-Income Subsidy (LIS), is a federal program that assists eligible Medicare beneficiaries with prescription drug costs under Part D. It covers premiums, deductibles, and reduces copays, making medications more affordable. Those enrolled in Medicaid or Medicare Savings Programs often qualify automatically. Extra Help ensures access to essential drugs, with minimal costs in the coverage gap and catastrophic phase.

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NY EPIC

The Elderly Pharmaceutical Insurance Coverage (EPIC) program in New York State helps seniors afford prescription drugs. Available to residents aged 65+ with income limits, NY EPIC reduces Part D copays and covers drugs during the Medicare coverage gap. Participants pay low copays based on income. The program works with Medicare Part D plans, lowering out-of-pocket costs. Enrollment is open year-round; apply online, or by mail.

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Hospital Financial Assistance

Hospital financial aid, often called charity care, helps lower income or uninsured patients cover medical bills. In New York State, hospitals are required to offer financial assistance programs to reduce or waive costs for eligible individuals. Eligibility typically depends on income and may consider assets or medical debt. Patients must apply, usually providing income documentation. Programs vary by hospital, but many offer sliding-scale discounts or payment plans.