People who signed the part A of the Medicare are eligible for three Medicare cost sharing programs. Availing these programs, you may cut the costs of the Medicare. These are different from the Medicaid program. Beneficiaries of the Medicaid with part A of Medicare are eligible to get both Medicaid and QMB or SLMB coverage.
People with Medicare cannot avail the Qualifying Individual benefits. The premiums for the part B program will be provided by the state from the third month of attaining eligibility for the cost sharing program and then, the same is seen in the check from the social security. If the amount is deducted from the persons check during the eligibility period, the same is reimbursed by the social security.
The qualified Medicare Beneficiaries program or the QMB program is intended to serve the Medicare costs of the people who can’t afford. It covers the premiums and copayment costs.
Upon the eligibility or the receipt of the Medicare part, anyone who is poor enough may apply for the QMB coverage for the part B premiums and deductibles. It also covers for the co-payments of both the parts. In some cases the premium coverage for the part A is also provided.
The person is provided the benefits from the start of the following month after which he is declared eligible. Every month, a card is given to the beneficiary for the Medicare cost sharing if he is not receiving the Medicaid and the same is mentioned on it. In all other cases the card figures like a normal Medicaid card.
This program pays for only the premium of the part B, which offers coverage to physician visit and such other outpatient expenses. All the QMB rules are to be met by the applicants but with an exception that the income may cross 100% of the federal poverty level but must be within 120% along with a part A coverage. There is no card given for this and the people may avail both Medicaid and SLMB at the same time.
This program compensates for the part B premium of the Medicare. All the qualifications for the QMB rules are to be met except that their income exceeds 120% of the Federal Poverty Level but must not exceed 135% of it with no benefits from the Medicaid. People are not entitled for this and it is at the sole discretion of the authorities to accede or deny it.
The funds inflow for this program is from the federal government. So, the state government limits the beneficiaries accordingly in a calendar year. No card will be given for this program.
For details regarding the Eligibility, you may go through the following link http://health.utah.gov/medicaid/pdfs/medicalprograms.pdf