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Medicare and health costs

Medicare Savings Programs in Indiana

Indiana's Medicare Savings Program, run through Indiana Medicaid, has income limits well above the federal ones.

Checked

From the Indiana Family and Social Services Administration (Indiana Medicaid)
An older woman in her kitchen reads a letter from the day's mail

QMB may pay your Medicare premiums and out-of-pocket costs if your income is up to 150% of the poverty level, and SLMB and QI may pay your Part B premium up to 185%. You can apply online, by phone, or at a Division of Family Resources office.

How to apply in Indiana

In person
At your county's Division of Family Resources (DFR) office. The DFR office finder lists the office for each county.

Applying is free. Nobody should charge you to apply.

Apply on the official site

Who may qualify in Indiana

Who may qualify for Medicare Savings Program
2026 figuresOne personMarried couple
QMB income limit$1,995 a month (after the first $20 of income is set aside)$2,705 a month (after the first $20 of income is set aside)
SLMB income limit$2,261 a month (after the first $20 of income is set aside)$3,066 a month (after the first $20 of income is set aside)
QI income limit$2,461 a month (after the first $20 of income is set aside)$3,337 a month (after the first $20 of income is set aside)
Savings limit$9,950$14,910

Source: Indiana Family and Social Services Administration (source 1)

What you may get

What Medicare Savings Program pays
What QMB paysYour Medicare premiums and your out-of-pocket costs for Medicare services
What SLMB paysYour Part B premium only
What QI paysYour Part B premium only

Source: Indiana Family and Social Services Administration (source 2)

How Indiana is different

Where Indiana's rules differ from the federal rules for Medicare Savings Programs.

  • Income limits higher than the federal ones: QMB up to 150% of the poverty level, SLMB up to 170% and QI up to 185% (the federal levels are 100%, 120% and 135%)

Source: Indiana Family and Social Services Administration (source 1)

Good to know

  • Indiana's brochure gives the same limits with the $20 added back: $2,015 a month for one person or $2,725 for a couple for QMB, and $2,481 or $3,357 for help with the Part B premium.
  • When you apply for Extra Help with Medicare drug costs through Social Security, you can apply for the Medicare Savings Program on the same application.

Source: Indiana Family and Social Services Administration (source 2)

Free help

Free help with this in Indiana

More help in Indiana

Medicare Savings Programs in another state

Sources

  1. Indiana Family and Social Services Administration, Indiana Health Coverage Program Policy Manual, Chapter 3000: Eligibility Standards (sections 3005.25.00 and 3010.35.00) (official government site). Checked Oct 28, 2026.
  2. Indiana Family and Social Services Administration, Savings for Medicare Beneficiaries (Help with Medicare Costs, 3/26) (official government site). Checked Oct 28, 2026.
  3. Indiana Medicaid (Family and Social Services Administration), Apply for Coverage (official government site). Checked Oct 28, 2026.

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