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Medicare beneficiaries who have limited income and resources may get help paying for their Medicare premiums and out-of-pocket medical expenses from Medicaid. Medicaid may also cover additional services beyond those provided under Medicare. Individuals entitled to Medicare Part A and/or Part B and eligible for some form of Medicaid benefit are often referred to as "dual eligibles." These benefits are sometimes referred to as Medicare Savings Programs (MSPs). Dual eligibles are eligible for some form of Medicaid benefit, whether that Medicaid coverage is limited to certain costs, such as Medicare premiums, or the full benefits covered under the State Medicaid plan.

Additional assistance in covering prescription drug costs may be obtained by applying for the Extra Help program. The Extra Help program is available to those individuals with limited income and resources. If you have Medicaid, a Medicare Savings Program, or Supplemental Security Income (SSI), you will automatically get Extra Help and don’t need to apply for it. If you are not enrolled in one of those programs you will need to apply for Extra Help. You can request an application from Social Security by calling 1-800-772-1213 or visiting www.socialsecurity.gov/i1020. TTY users should call 1-800-325-0778. After you apply, you will get a notice in the mail that tells you if they qualify. Social Security’s application process is the quickest way to get a decision. A person with Medicare can also apply at his or her local State Medical Assistance (Medicaid) office.

For more information or to set-up an appointment, call 877-367-3242 or email us at medicare@fcfins.com.

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Insurance products offered through First Commonwealth Insurance Agency, a licensed insurance affiliate of First Commonwealth Bank.