Medicare Savings Programs
State Medicaid programs paying Part B premiums (and more, by program tier) for low-income Medicare beneficiaries, distinct from full Medicaid.
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The Medicare Part B monthly premium...
Is paid by all Part B enrollees and is higher for beneficiaries with higher incomes. — Every Part B enrollee pays the Part B monthly premium; there is no premium-free Part B the way Part A can be premium-free through work credits. The standard premium is adjusted upward for higher-income beneficiaries through the Income-Related Monthly Adjustment Amount (IRMAA), so wealthier enrollees pay more. Low-income beneficiaries do not get the premium automatically waived, though state programs such as the Medicare Savings Programs may pay it for those who qualify. This everyone-pays-plus-income-scaling structure is the precise Part B premium fact tested in the senior health products outline.
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