AGING SERVICES: Important Changes to the Medicare Savings Program

Connecticut’s 2018 Medicare Savings Program (MSP) Income-Eligibility Changes


The income eligibility levels for the Medicare Savings Program (MSP), administered by the State of CT Department of Social Services (DSS), will decrease to match the federal income limits. This change is due to CT State budget legislation (Public Act 17-2, Section 50). Eligibility for MSP is based on income and not assets.

MSP has three levels of coverage: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB) and Additional Low-Income Medicare Beneficiary (ALMB). The State pays the Medicare Part B premium for all levels of the program. In addition, MSP recipients are automatically enrolled in the Extra Help/Low Income Subsidy program, which helps pay Medicare Part D prescription costs. QMB recipients receive additional assistance to help with cost sharing (premiums, deductibles, co-pays and co-insurance for Medicare A & B covered services). 

DSS is sending two notices to MSP recipients who are affected by this legislative change. Recipients will receive an informational mailing towards the end of November 2017. An official personal Eligibility Determination Decision notice will be sent at a later date to inform recipients whether they will lose or change their level of MSP coverage. For those who will lose their MSP coverage, the State will stop paying the Medicare Part B premium. They will continue to receive Extra Help prescription assistance in 2018. Loss or changes to MSP coverage should not impact Medicaid benefits.

The State Unit on Aging and local Area Agencies on Aging are working with the Department of Social Services to help those affected by the income eligibility changes. Trained counselors through our CHOICES program will help those affected to explore their Medicare coverage options. Please see informational materials below:
MSP Presentation for Professionals - This presentation includes in-depth information on how MSP changes will affect beneficiaries.

Making an Informed Decision: 2018 MSP Changes - A question and answer document that provides general information about MSP as well as other information you need to know. 

Medigap, QMB and Medicare Advantage – Frequently Asked Questions - A question and answer document that provides information about Medicare Supplement, QMB and Medicare Advantage.

Options over 65 - Provides information about possible coverage options (Medicare Supplement, Medicare Advantage and HUSKY C) for MSP recipients age 65 and older and are losing their QMB coverage. 

Options over 65 enrolled in a Medicare Advantage Special Needs Plan (SNP)
- Provides information for QMB recipients without Medicaid, age 65 and older, who are enrolled in a SNP and are losing their QMB coverage. 

Options under 65 - Provides information about possible coverage options (Medicare Supplement, Medicare Advantage and HUSKY C) for MSP recipients under the age of 65 and are losing their QMB coverage. 

Options under 65 enrolled in a Medicare Advantage Special Needs Plan (SNP) - Provides information for QMB recipients without Medicaid, under the age of 65, who are enrolled in a SNP and are losing their QMB coverage. 

The State Unit on Aging has made every effort to provide accurate information relative to the content contained on this website which has been prompted by the state legislation reducing the income-eligibility limits for the Medicare Savings Program. To that extent, the information which has been gathered from various sources, is as accurate as possible on the date published.  For more information, contact CHOICES at the regional Area Agency on Aging at 1-800-994-9422.




Content Last Modified on 12/6/2017 2:53:10 PM