Extra Help (Low-Income Subsidy)
Federal program that pays Part D premiums and copays for low-income beneficiaries.
Full explanation
Extra Help, formally the Low-Income Subsidy (LIS), is a federal program that helps Medicare beneficiaries with limited income and resources pay Part D premiums, deductibles, and copays. As of 2024, eligibility extended to 150% of the Federal Poverty Level (about $22,590/year single, $30,660 couple in 2026), with full benefits — $0 to $4 prescription copays. Apply through Social Security at any time during the year; enrollment is a SEP for switching Part D plans. Many eligible beneficiaries don't apply because they assume they don't qualify.
📎 Primary source: official source
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