How to Get Assistance With Medicare Part D Co-Pays

Although Medicare offers prescription drug coverage through Part D, required co-pays can be expensive. Some prescriptions are not even covered by Part D, which result in even more out-of-pocket spending. If you are struggling to afford your prescriptions, seek assistance to help cover the costs. State and private programs can lessen the financial burden. Individuals with limited income and resources are generally eligible for co-pay relief. Begin seeking assistance as soon as possible to save.

Instructions

• 1

  Contact the State Health Insurance Assistance Program, (SHIP). The national program offers counseling and assistance to Medicare recipients. A counselor will determine your eligibility for co-pay assistance through Medicaid. If approved, Medicaid supplements Medicare by paying the portion of medical and prescription expenses not covered. Locate your state SHIP office by visiting the SHIPTalk website.

• 2

  Apply for aid through the Patient Advocate Foundation's Co-Pay Relief Program. Insured patients who meet the financial criteria and are being treated for a medical condition, such as breast, lung, lymphoma or colon cancer, can apply. As of 2011, the income limit is $14,355 for an individual or $19,245 for a married couple. Call 800-532-5274 to apply.

• 3

  Visit the Social Security Administration (SSA) to apply for Extra Help. According to the SSA, the federal Extra Help program saves seniors an estimated $4,000 a year.

  To qualify for the Extra Help, you must be on Medicare, reside in the United States and have limited income and resources. According to the 2011 guidelines, your resources cannot exceed $12,510 for an individual or $25,010 for a married couple. You cannot earn more than $16,245 for an individual or $21,855 for a married couple.

  Some income exceptions apply to the limitations. For example, earnings can be higher if you live in Hawaii or Alaska, or support a family member in your household.

  Apply for Extra Help through the SSA website or call Social Security at 800-772-1213.