Residents of CT and Medicare agents who offer plans in CT need to be aware of the changes to the CT MSP income limits 2025. The MSP program provides assistance to beneficiaries with limited incomes to help cover their medical costs. Understanding the CT MSP income limits is extremely important for anyone on Medicare and has a limited income. Especially if they depend on financial assistance to access needed healthcare.
What is MSP (Medicare Savings Program)
MSP stands for The Medicare Savings Program. Each state administers this program and provides assistance with medical costs for individuals on Medicare with limited income and resources. It helps pay Medicare premiums, deductibles, coinsurance, and copays.
To participate in the program, you must be eligible for Medicare Part A (hospital insurance) and meet income and asset criteria. In the state of CT, DSS administers the Medicare Savings Program.
CT MSP Income Limits 2025
The MSP in CT provides 3 different levels of help. Each level has a separate income limit that qualifies beneficiaries. Please note; the income limit is adjusted based on household size.
The 2025 income limits for each level of MSP are listed below:
Qualified Medicare Beneficiary (QMB)
Those who qualify for the QMB level recieve the highest level of help. Individuals who qualify for this program, have income of up to 100% of the FPL (Federal Poverty Level). The QMB program pays the Part B Medicare premium, deductibles, coinsurance, and copays.
Individuals with a monthly income of $2,752 for an individual and $3,719 for a couple qualify as QMBs.
Learn about medicare Extra Help
Specified Low-Income Medicare Beneficiary (SLMB)
The SLMB level pays for the Medicare Part B premiums and does not cover deductibles or coinsurnae payments.
Individuals who have an income level of $3,013 per month for an individual or $4,072 a month for a couple. In other words, individuals must have an income level between 100% and 120% of the FPL.
Additional Low-Income Medicare Beneficiary (ALMB)
The ALMB is similar to the SLMB program; it pays the Medicare Part B premium only. It does not cover deductibles or coinsurance payments. It is availabel to those who have income between 120% and 135% of the FPL.
To qualify for this level of help; indivduals must have monthly income of $3,209 for single or $4,336 for a couple.
Please note: This program is subject to available funds and is issued on a first come first served basis
How to Apply for CT MSP
Those who want to apply for CT’s MSP program can do so through the Department of Social Services (DSS).
Individuals must complete a CT state (W-1QMB) application form. There are a few different ways to complete and return the form; online, through the mail, or in-person at a local DSS Regional Office.
Beneficiaries must provide information such as: Medicare enrollment status, income, assets, and other relevant information. DSS provides help with the application for anyone who needs it. Beneficiaries can also have an authorized person complete the application if needed.
Click here for a list of local DSS offices.
To apply online, visit www.connect.ct.gov, click on the ‘Apply for Benefits’ tab and apply as directed.
Those who wish to apply for MSP only; download and complete application below:
Medicare Savings Program Application (W-1QMB)
Formulario de Renovación de programas de ahorro de Medicare (W-1QMBS)
To apply for other assitance programs as well as the MSP program: SNAP (food stamps), Medicaid for Employees with Disabilities (MED-Connect), Medicaid for the Aged/Blind/Disabled (HUSKY C), and/or cash assistance, download the application below.
Click here to apply for Husky C and or Cash assistance program benefits
Haga clic aqui para Husky o asistencia en efective CW-1ES Solicitud de Beneficios
The CT MSP program provides an essential service to qualified individuals. It provides financial assistance to cover Medicare costs.
Agents who want to be part of the team at Crowe – click here for onine contract
Watch a YouTube video and learn about changes for Dual, Partial Dual and LIS SEP changes
For additional information on how to apply, please visit www.ct.gov/dss/apply.
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