Yes. If your income is above the income and asset guidelines, you should still apply. You may still qualify for a Medicare Savings Program because certain income and assets may not count.

How your income and assets are counted to determine eligibility varies from state to state.

In all states, the following income will never be counted:

• The first $20 of all income
• The first $65 of monthly wages
• One-half of your monthly wages (after the $65 is deducted)
• Food stamps

Some states may not count more income, and/or may exclude things from your income, such as the money you use to pay health insurance premiums (like Part B premiums). Also, if there are more than two people in your household, in some states you can have higher income.

In all states, the following assets will never be counted:

• Your primary house
• Your car
• Household goods and wedding/engagement rings
• Burial spaces
• Burials funds for you and your spouse valued up to $1,500 each
• Life insurance with a cash value of less than $1,500

Many states do not count other types of assets. Some states have no asset test.

Medicare Savings Program Financial Eligibility Guidelines by State

Find contact information for your local Medicaid office by clicking on the link in the LINKS box.

For more information about or help with Medicare Savings Programs, click on the link for your State Health Insurance Assistance Program (SHIP) in the LINKS box.

For more information about how to apply for the Medicare Savings Program, click on the link in the GO TO box.

For more information about government programs that can help you pay for your health care, click on the link in the GO TO box.

For more information about hospitals and health care facilities that offer care at a reduced cost, click on the link in the GO TO box.

For information about programs that can help with your prescription drug costs, click on the link in the GO TO box.