Arizona State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Arizona. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Medicare Savings Programs in Arizona
Arizona's Medicaid agency, AHCCCS, runs the Medicare Savings Programs, which it also calls Medicare Cost Sharing.
They pay your Medicare Part B premium, and with QMB also your Part A premium, deductibles and coinsurance. Arizona has no savings limit for these programs, so only your income is checked.
How to apply in Arizona
- By phone
- 1-800-654-8713
- In person
- More than 150 community partner organizations across Arizona can help you apply in person through Health-e-Arizona Plus. AHCCCS has a map to find one near you.
- By mail
- Mail the Medicare Cost Sharing and AHCCCS Health Insurance Application (form DE-103) to AHCCCS, P.O. Box 25520, SSI MAO, MD 15022, Phoenix, AZ 85002-5520.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in Arizona
| 2026 figures | One person | Married couple |
|---|---|---|
| QMB income limit | $1,330 a month (after the first $20 of income is set aside) | $1,804 a month (after the first $20 of income is set aside) |
| SLMB income limit | $1,596 a month (after the first $20 of income is set aside) | $2,164 a month (after the first $20 of income is set aside) |
| QI-1 income limit | $1,796 a month (after the first $20 of income is set aside) | $2,435 a month (after the first $20 of income is set aside) |
| Savings limit | No limit | No limit |
Source: Arizona Health Care Cost Containment System (AHCCCS) (source 2)
What you may get
| What QMB pays | Your Part A and Part B premiums, coinsurance and deductibles |
|---|---|
| What SLMB pays | Your Part B premium |
| What QI-1 pays | Your Part B premium |
Source: Arizona Health Care Cost Containment System (AHCCCS) (source 2)
How Arizona is different
Where Arizona's rules differ from the federal rules for Medicare Savings Programs.
- No savings limit
Source: Arizona Health Care Cost Containment System (AHCCCS) (source 2)
Good to know
- AHCCCS lists its limits after deductions from income. With the first $20 of income that federal rules leave out, $1,330 a month lines up with the federal QMB limit of $1,350.
Source: Arizona Health Care Cost Containment System (AHCCCS) (source 2)
Free help
Free help with this in Arizona
Division of Aging and Adult Services
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Arizona
Medicare Savings Programs in another state
- Alabama
- Alaska
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Arizona Health Care Cost Containment System (AHCCCS), Help with Paying Medicare Costs Only (official government site). Checked Oct 28, 2026.
- Arizona Health Care Cost Containment System (AHCCCS), AHCCCS Eligibility Requirements, February 1, 2026 (official government site). Checked Oct 28, 2026.
- Arizona Health Care Cost Containment System (AHCCCS), How to Apply for Medical Assistance (official government site). Checked Oct 28, 2026.
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