Montana State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Montana. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Montana's Department of Public Health and Human Services runs three Medicare Savings Programs that may pay your Medicare Part B premium, and with QMB also your Part A premium, deductibles and coinsurance.
Montana uses the federal income and savings limits. You can apply online at apply.mt.gov, by phone, or at any Office of Public Assistance, and applying for Social Security's Extra Help also counts as an application.
Applying is free. Nobody should charge you to apply.
Apply on the official site| 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 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 | $9,950 | $14,910 |
Source: Montana Department of Public Health and Human Services (source 1)
| What QMB pays | Your Part A premium (if you don't get Part A free) and your Part B premium, plus deductibles, coinsurance and copays |
|---|---|
| What SLMB pays | Your Part B premium only |
| What QI pays | Your Part B premium |
Source: Medicare.gov (Centers for Medicare & Medicaid Services) (source 4)
| Current income limits in effect since | April 1, 2026 |
|---|
Source: Montana Department of Public Health and Human Services (source 1)
Source: Montana Department of Public Health and Human Services (source 1)
Free help
Free, unbiased Medicare counseling in Montana. Trained counselors go through your costs and choices with you, and they don't sell plans.
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
Newsletter
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.