Medicare specialist east haven, ct can be challenging, but residents of East Haven, Connecticut, have access to several programs designed to reduce out-of-pocket expenses. Whether you’re paying for premiums, deductibles, or prescription drugs, understanding and utilizing available assistance can make a significant difference in your healthcare budget.
Explore the Medicare Savings Program (MSP)
Medicare specialist East Haven, CT, the Medicare Savings Program (MSP), administered by the Connecticut Department of Social Services (DSS), offers financial assistance to eligible Medicare beneficiaries. There are three levels of MSP, each with specific income guidelines:
Qualified Medicare Beneficiary (QMB): This program covers Medicare Part A and Part B premiums, as well as deductibles and co-insurance. As of March 2025, the income limits are:
Single: $2,752/month
Married couple: $3,719/month
No asset limit
Special Low-Income Medicare Beneficiary (SLMB): SLMB pays for Medicare Part B premiums only. Income limits are:
Single: $3,013/month
Married couple: $4,072/month
No asset limit
Additional Low-Income Medicare Beneficiary (ALMB): Similar to SLMB, ALMB covers Part B premiums. Income limits are:
Single: $3,209/month
Married couple: $4,336/month
No asset limit
To apply, visit the DSS application portal at connect.ct.gov or download the “Medicare Savings Programs Application/Redetermination” form (W-1QMB) from the DSS website.
Utilize the Covered CT Program
The Covered CT Program is a state initiative that provides health insurance coverage at no cost to eligible residents. This program covers:
Monthly premiums
Cost-sharing amounts (deductibles, co-pays, co-insurance)
Dental coverage
Non-Emergency Medical Transportation (NEMT) benefits
Eligibility is based on income and household size. To determine if you qualify, visit Medicare specialist east haven, ct and complete the online application.
Apply for Extra Help with Prescription Drug Costs
The Low-Income Subsidy (LIS), also known as “Extra Help,” assists with Medicare Part D prescription drug costs. If you qualify for MSP, you are automatically enrolled in LIS. This subsidy can help pay for:
Part D premiums
Deductibles
Co-pays
Co-insurance
For more information or to apply separately, contact CHOICES at 1-800-994-9422.
Take Advantage of Enhanced Subsidies through Access Health CT
Due to federal legislation, enhanced subsidies are available through Medicare specialist east haven, ct to help lower monthly health insurance premiums. These subsidies are extended through plan year 2025 and are available to residents who meet specific income and household criteria.
To apply or learn more, visit Access Health CT.
5. Seek Assistance from Local Resources
Residents of East Haven can access free, in-person help through Access Health CT’s enrollment events. These events provide one-on-one assistance with applications for health and dental coverage. Check the Access Health CT website for upcoming events in your area .
6. Consider Using the ArrayRx Program
The ArrayRx Program is a digital discount card that can be used at most pharmacies to lower the cost of some medications. This program was launched in Connecticut in 2023 to help residents save money on prescriptions .
What Is the ArrayRx Discount Card?
The ArrayRx Discount Card is a free, digital prescription savings card available to all Connecticut residents, regardless of income or insurance status. By leveraging bulk purchasing power, the program offers discounts of up to 80% on generic medications and 18% on brand-name drugs. This initiative aims to alleviate the financial burden of prescription costs for residents across the state.
How to Enroll and Use the Card
Enrollment Process:
Visit the official ArrayRx website.
Complete the online registration form with your Connecticut home address and email.
Upon registration, you’ll receive a digital ArrayRx card via email, which can be saved to your smartphone wallet or printed for convenience.
Using the Card:
Present your digital card at any participating pharmacy in Connecticut. The ArrayRx card is accepted at approximately 98% of pharmacies statewide.
You can compare prescription prices at different pharmacies the ensuring you get the best deal available.
Conclusion
By exploring and utilizing these programs, residents of Medicare specialist East Haven, ct, can significantly reduce their Medicare-related expenses. Whether you’re seeking assistance with premiums, prescription drugs, or comprehensive coverage, these resources are designed to make healthcare more affordable and accessible. Remember to review eligibility requirements and apply promptly to take full advantage of the assistance available to you.
