Is there help with Medicare premiums for people on a tight budget?

There is. On top of Extra Help for prescriptions, Medicare Savings Programs, handled by your state Medicaid office, can cover the Part B premium and sometimes deductibles and copays too. People who qualify for full Medicaid and Medicare are called "dual eligible," and they may be able to choose a plan designed for them, known as a D-SNP.

More detail

Here's a real-life example. Say your only income is a modest Social Security check, and the Part B premium takes a big bite out of it. A Medicare Savings Program from your state may pay that premium for you. If you qualify for one, you also qualify automatically for Extra Help with drug costs.

With full Medicaid as well, most of your health costs are covered, and Medicaid may pay for things Medicare doesn't, like long-term care in a nursing home, rides to medical visits, and some dental, vision and hearing services. You may also be able to change your drug coverage once a month.

A common mistake is not applying because you're sure you won't qualify. Limits vary by state, and even if you don't think you qualify, you should still apply.

What to have ready: income and bank statements for you and your spouse, and your Medicare card.

I'm glad to help you figure out where to start with your state's Medicaid office.