2025 Low Income Subsidy (LIS) (EXTRA HELP)
It does not matter if you live in Pasco County, Pinellas County, Hillsbrogh County, Citrus County or Hernando County, we all need help once in a while. Prescription drugs and Medicare premiums can drain our resources if not enough resources are available. This article, “2025 Low-Income Subsidy” can help some people to save some money.
I intend to answer most of your questions in this article, but if I miss something please email me at daniel@pascohernandoseniorservices.org and I will answer your question.
What is the Low-Income Subsidy
Low-Income Subsidy, which may also be referred to as LIS or “Extra Help is a federal subsidy program that helps low-income Medicare-eligible consumers save money on their prescription costs and other Part D-related costs like premiums, deductibles, and coinsurance.
The program is administered by the Social Security Administration (SSA), which determines if someone is eligible (based on income and resource thresholds, which change annually), determines their qualifications and eligibility levels, and processes the application.
Some people qualify automatically for Extra Help but others must apply through the Social Security office. If someone isn’t automatically qualified and notified by SSA, they may enroll online or with the assistance of a licensed insurance agent.
Key Benefits of the Low-Income Subsidy (LIS) in 2025
- Lower or No Monthly Premiums: Helps cover the cost of Medicare Part D prescription drug plan premiums.
- Reduced Deductibles: Most beneficiaries pay little or no deductible.
- Lower Copayments for Medications: Significantly reduces the cost of prescription drugs.
- No Late Enrollment Penalty: If eligible, you won’t be penalized for late enrollment in a Part D plan.
Eligibility Requirements for 2025
Eligibility is based on income and resource limits, which are updated annually. To qualify for Extra Help in 2025, your income and resources must be below the following thresholds:
Income Limits:
Individuals: Annual income less than $22,590.
Married Couples Living Together: Annual combined income less than $30,660.
Resource Limits:
Individuals: Resources below $17,220.
Married Couples Living Together: Resources below $34,360.
Note: Resources include savings, investments, and real estate other than your primary residence. Certain assets, such as your home, personal possessions, and vehicles, are not counted.
How to Apply for Extra Help:
Online: Apply at www.ssa.gov/extrahelp.
By Phone: Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
In Person: Visit your local Social Security or Medicaid office.
Automatic Enrollment: Some people are automatically enrolled, including those on Medicaid, Supplemental Security Income (SSI), or a Medicare Savings Program.
If you live in Pasco, Hernando, Pinellas, or Hillsborough County, we would love to help you with anything regarding Medicare or Final Expenses. Since 2012, we have been helping others like you in our community be more prepared for the future.
You can give us a call right now at 727-777-3608 to talk to my wife, Shannon. She runs everything in our office, and she will help you with all your questions and scheduling needs.
I intend to answer most of your questions in this article, but if I miss something please email me at daniel@pascohernandoseniorservices.org and I will answer your question.