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Minimum Coverage Health Insurance for Individuals

The following post contains information about Minimum Coverage Health Insurance for Individuals.  If this is the type of insurance you would like to purchase, please use the information below to help you make an informed decision.

Medicare Savings Program Changes CT 2018

In this post we give you some valuable information about the Medicare Savings Program Changes CT 2018.  We realize many of you may be confused about all the recent news of changes in eligibility and income limits.  Please note: the effective date of any changes in this program has been extended until July 1, 2018 in the state of Connecticut.

Medicare Savings Programs (MSPs) are put in place to help the Medicare beneficiary pay their Part B premium.  In some instances, MSPs help beneficiaries pay for Part A premiums.  Usually, Part A is free, although if either the beneficiary or their spouse has not worked enough, he or she will need to pay the Part A premium.

Just to recap:

The program is not going to change until July 1, 2018. In the event that the income limits are lowered and that results in the loss of your QMB status, DSNP members will still have 90 days before you are dropped from the program. If you are being dropped you will receive a letter that explains this to you.  If yo do lose your QMB Status you will no longer qualify for protection of balance bills.  This means that you will be responsible for these bills as of the date that you lose your QMB coverge.

Each year in March the income limits for the MSP Program are reviewed, and usually raised.  This will not change the fact that the state is going to fund the program until at least July 1.

These following income limits are effective in March 2018:

QMB (Qualified Medicare Beneficiary):
Pays both Medicare Part A and Part B premiums, deductibles and co-insurances.
QMB income limits (211% FPL):
Single person – $2,135.32/month (previously $2120.55)
Married couple – $2,894.92/month (previously $2854.83)

There is no asset limit for people who receive benefits from this program.

To Apply: You can download an application form in either English or Spanish, CLICK HERE FOR APPLICATION.

Applicants may also apply by going to the Connecticut Department of Social Services office for their town.