QI: Qualifying
Individual Program

Home » Low Income Cost Assistance » QI Medicare | Qualifying Individual Program
Senior woman with red hair sitting in an armchair, speaking on the phone and writing in a planner

What is the Qualifying Individual Program?

The Qualifying Individual Program (QI) is one of four Medicare Savings Programs. These programs assist low-income individuals with the costs of Medicare. Medicare Savings Programs are run through each state’s Medicaid program, although Medicaid eligibility is not a requirement for all Medicare Savings Programs.

Who is Eligible for the Qualifying Individual Program?


Medicare beneficiaries who meet certain income and resource limits are eligible for QI. The eligibility limits can change every year, but around $2000 or less monthly income should be near the eligibility limit, depending on the year, your resident state, whether you’re working, and whether you’re filing as an individual or married couple.

If you qualify for Medicaid, you are not eligible for the Qualifying Individual Program; you are probably eligible for a different Medicare Savings Program.

Automatic Qualification for
Extra Help


If you qualify for the QI Program, you will also automatically qualify for Extra Help, a program that assists with prescription drug costs. Extra Help may pay your Prescription Drug Plan premium and deductible, as well as set a maximum cost for each prescription, usually between $4-10, depending on whether they are generic or name-brand prescriptions.

Extra Help is run through the Social Security Administration.

Could You Get a Medicare Advantage Plan with Extra Benefits?
Get a Free Consultation with a Licensed Agent.

Qualifying Individual Example Scenario

You have Medicare Parts A and B, plus a Part D prescription drug plan. You don’t pay a premium for Part A, but you do have premiums for Parts B and D. While on the Qualifying Individual Program:
· You do not pay a monthly Part B premium
· You do not pay a monthly Part D premium
· You continue to pay your usual deductibles, copay, and coinsurance
· You pay less for your prescriptions, just around $4 for the generic ones and around $10 for the name-brand prescriptions
Shot of a senior man exercising with a resistance band during a rehabilitation session with his physiotherapist

What About Medicare Advantage Plans?

The Qualifying Individual Program works with Medicare Advantage (Part C) Plans as well. Because you continue to pay your Part B premium while enrolled in a Part C Plan, that cost will be covered while you are in the QI Program. The savings on prescription drugs will also carry over to a Medicare Advantage Prescription Drug Plan (MAPD).

If you pay a premium for your Part C Plan, you will continue to pay that while in the QI Program, as well as your usual deductibles, coinsurance, and copays, other than the ones related to prescription drug coverage.

How Do I Enroll in the Qualifying Individual Program?

To apply for the Qualifying Individual Program, contact your state’s Medicaid offices. It’s worth applying for the program even if you think you may not qualify. Due to differences in eligibility by state—based on your income, savings, properties, and your working situation—calculating your own eligibility can be difficult.

You must apply every year for the Qualifying Individual Program and acceptance is granted on a first-come first-served basis, prioritizing those who received QI benefits the previous year. You can always apply again if you haven’t been accepted in a previous year.

Looking For Plans Available In Your Area?
Try Our Medicare Plan Comparison Tool

Frequently Asked Questions

What is Covered by the Qualifying Individual Program?

The QI program covers Medicare Part B premiums.

Speak to a Licensed Agent Today

1-800-991-4407 / TTY 711

Mon-Thu 8am-11pm, Fri 8am-9pm, Sat 10am-6pm EST


Privacy Policy | Terms of Use | Contact Us | Content Review Process

e-TeleQuote Insurance Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc., does business as easyMedicare® in all states other than California, Florida and New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in California, Florida and New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents/producers may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Last Updated: November 1, 2022 MULTIPLAN_ETQEZMwebsite_0722_M