Common Questions

Medicaid SLMB Program (Specified Low-income Medicare Beneficiary)

The Specified Low-income Medicare Beneficiary (SLMB) program is a type of Medicare Savings Program designed to help qualified beneficiaries – many of whom also have Medicaid – pay their Medicare Part B premiums.

Medicare beneficiaries with limited income and resources may be able to enroll in a Medicare Savings Program (MSP) to help offset the cost of some of Medicare’s out-of-pocket expenses. These programs are designed for individuals and married couples who qualify for Medicare, many of whom may also qualify for Medicaid.  

One of these Medicare Savings Programs is called SLMB, or Specified Low-income Medicare Beneficiary, which we’ll review below. 

What does SLMB cover?

SLMB benefits cover the cost of the monthly Medicare Part B premium. The standard Part B premium in 2021 is $148.50 per month and is required of all Medicare Part B beneficiaries. 

If a Medicare beneficiary also qualifies for full Medicaid benefits, they may enroll in SLMB+ (or “SLMB Plus”). SLMB+ pays for both the Medicare Part B premium and all Medicaid covered services.

Qualifying for SLMB also makes you eligible for the Medicare Part D Extra Help program, which helps pay for Medicare Part D drug costs such as premiums, copayments and coverage gaps.   

How do you qualify for SLMB?

Each state Medicaid program has its own rules concerning qualification.

One standard model used for SLMB eligibility is if you have countable assets at or below two times the standard allowed by the Supplemental Social Security program and an annual income of no more than 120% of the Federal Poverty Level. 

For 2021, that breaks down to:

  • Individuals = $1,308 per month in income; $7,970 in assets
  • Married couples = $1,762 in monthly income; $11,960 in assets  

The income and asset limits may change each year. According to Medicare.gov, you should still apply for SLMB benefits if your income and resources are slightly higher than what’s listed above.

Assets include:

  • Money in checking or savings accounts
  • Stocks
  • Bonds
  • Mutual funds

Countable assets do not include:

  • A primary home
  • A single vehicle
  • Furniture
  • Other personal items

What other Medicare Savings Programs are there?

SLMB is just one of the available Medicare Savings Programs. Others include:

  • QMB (Qualified Medicare Beneficiary) – Pays for Medicare Part A and Part B premiums, deductibles, copayments and coinsurance

  • QI (Qualifying Individual) – Pays for Medicare Part B premiums

  • QDWI (Qualified Disabled and Working Individuals) – Pays for Medicare Part A premiums

How do you apply for SLMB?

Contact your state Medicaid program for information and assistance with applying for the SLMB program.

Is there Medicaid assistance for Medicare Advantage beneficiaries?

Individuals who qualify for both Medicare and Medicaid are considered “dual eligible” and may qualify for a certain type of Medicare Advantage plan called a Special Needs Plan. And one particular type of Special Needs Plan is a Dual Eligible Special Needs Plan (D-SNP). 

These plans are designed to meet the specific needs of those with limited income and resources. 

Dual-eligible Special Needs Plans and other Medicare Advantage plans are sold by private insurance companies. For help comparing plans, you can look at plans online or call to speak with a licensed insurance agent for information about eligibility and enrollment.

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent

1-800-557-6059

Christian

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

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