The Extra Help program, also known as the Low-Income Subsidy (LIS), is designed to assist people with limited income and resources in paying for their Medicare prescription drug coverage (Part D). If you meet the qualifications, this program can help reduce the costs associated with prescription drugs, including premiums, deductibles, and copayments.

What is the Extra Help Program?

The Extra Help program is a Medicare program that helps pay for prescription drug costs. It’s available for people who have limited income and resources, and it helps lower the monthly premium, annual deductible, and copayments for prescription drugs. If you qualify, Extra Help can make prescription drug coverage much more affordable and ensure that you get the medications you need at a reduced cost.

Who Qualifies for Extra Help?

To qualify for Extra Help, you need to meet the following criteria:

  • You must be eligible for Medicare Part A and Part B.
  • You must have limited income and resources.
  • Your income and resources are subject to specific limits, which change annually. In 2025, the income limits for Extra Help are:
    • Income limit: Up to $20,000 annually for an individual or $40,000 for a couple (for 2025).
    • Resource limit: Up to $15,000 for an individual or $30,000 for a couple.

If your income and resources are higher than these limits, you may not qualify for the full Extra Help assistance, but you may still qualify for partial help.

How Does Extra Help Work?

If you qualify for Extra Help, your prescription drug plan (Part D) premiums, deductibles, and copayments will be significantly reduced. The level of assistance you receive depends on your income and resources. There are four levels of assistance, and those with the least income and resources will receive the most help.

For example, if you qualify for the full Extra Help, you won’t have to pay for the monthly premium, and your copayments could be as low as $1.35 for generic drugs and $4.00 for brand-name drugs (this varies by plan).

How to Apply for Extra Help

To apply for the Extra Help program, you can follow these steps:

1. Apply Online: You can apply directly on the Social Security Administration (SSA) website. Visit: Social Security Administration - Extra Help Program

2. Apply by Mail: If you prefer, you can fill out a paper application. The SSA will send you the forms and instructions for submitting your application.

3. Apply by Phone: Call the Social Security Administration at 1-800-772-1213 for assistance with your application. You can also visit your local SSA office to apply in person.

Once you’ve submitted your application, the SSA will review it and send you a letter letting you know if you qualify for Extra Help, and if so, the level of assistance you’ll receive.

Where to Get Help

For more information or assistance with your application, you can contact:

  • Social Security Administration (SSA)
    Visit: www.ssa.gov
    Call: 1-800-772-1213
    TTY: 1-800-325-0778 (for those with hearing impairments)

You can also visit your local SSA office for help applying for Extra Help and to get more information about the program.

Final Notes

If you qualify for Extra Help, it can significantly reduce your prescription drug costs and give you access to the medications you need without breaking the bank. Be sure to apply, and don't hesitate to reach out to Social Security or other resources if you need assistance.