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Mrs. Park is

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Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that might be of assistance?

a. She can apply to the Medicare agency for lower premiums and cost-sharing. b. She should contact her state Medicaid agency to see if she qualifies for one of several programs that can help with Medicare costs for which she is responsible. c. She should only seek help from private organizations to cover her Medicare costs. d. She should not sign up for a Medicare Advantage plan.

The best advice for Mrs. Park would be:

She should contact her state Medicaid agency to see if she qualifies for one of several programs that can help with Medicare costs for which she is responsible.

State Medicaid programs can sometimes help low-income Medicare beneficiaries pay for Medicare premiums, deductibles, copayments, and coinsurance. These programs might include the Qualified Medicare Beneficiary (QMB) program, the Specified Low-Income Medicare Beneficiary (SLMB) program, or the Qualifying Individual (QI) program. Depending on Mrs. Park’s income and resources, she might qualify for one or more of these programs.