Medicare Savings Programs (MSP) help people with limited income and resources pay for some or all of their Medicare premiums and may also pay their Medicare deductibles and coinsurance. There are four different types of Medicare Savings Programs, this page focuses on the Qualified Disabled and Working Individuals (QDWI) Program.
Who Qualifies?
- Qualified Disabled and Working Individuals (QDWI)
- Individual monthly income limit: $2,450
- Married couple monthly income limit: $3,306
- In addition to the income requirements, one or more of the following must apply:
- You're a working disabled person under 65
- You lost your premium-free Part A when you went back to work
- You aren't getting medical assistance
- You meet the income and resource limits required by your state
Resource Limits
The resource limit is $4,000 for one person and $6,000 for a married couple.
Countable resources include:
- Money in a checking or savings account
- Stocks
- Bonds
- Money in an IRA, annuity or trust
Countable resources don't include:
- Your home
- One car
- Burial plot
- Up to $1,500 for burial expenses if you have put that money aside
- Furniture
- Other household and personal items
Benefits and Services
- Qualified Disabled and Working Individuals (QDWI) Program pays for your:
- Part A premiums only
You are still responsible for your Medicare deductibles and co-insurance.
How To Apply
- First, you must be eligible for or receiving Medicare.
- Second, contact your county of residence's Department of Human Services to apply.
Where Do I Get These Services?
- You can visit doctors who accept Medicare.
- These programs do not provide Health First Colorado (Colorado's Medicaid program) benefits, this means that even if a doctor accepts Health First Colorado and provides you medical services, Health First Colorado will not pay for any claims.
If you have more questions about this program please see our Medicare/Medicaid Frequently Asked Questions or contact our Member Contact Center.
Program Contact: hcpf_medicare_buyin@state.co.us