HEALTH CARE PROGRAMS IN MINNESOTA FOR LOW TO MODEST INCOME SENIORS AND PERSONS WITH DISABILITIES

Effective 7/01/10 – 6/30/11

Name of Program / Income guidelines / Asset Guidelines / Program Administered by and program summary
Medical Assistance (MA)
100% of FPG (no $20 disregard)
MA with spenddown (if above $903 single or $1215 couple, must spenddown to $677single, $911couple – 75% FPG) / $903 single
$1215 couple
$677 single
$911 couple / $3000 single
$6000 couple
$3000 single
$6000 couple / County
Covers most medical care
Qualified Medicare Beneficiary (QMB)
100% of FPG + $20 disregard / $923 single
$1235 couple / $10,000 single
$18,000 couple / County
Covers all Medicare Part A and Part B deductible, coinsurance, premiums, and pays the Part B monthly premium of $96.40
Service Limited Medicare Beneficiary (SLMB)
120% of FPG + $20 disregard / $1103 single
$1477 couple / $10,000 single
$18,000 couple / County
Pays for Medicare Part B premium of $96.40
Qualified Individual 1
(QI-1)
135% of FPG + $20 disregard / $1239 single
$1660 couple / $10,000 single
$18,000 couple / County
Pays for the $96.40 Part B premium
Medical Assistance for Employed Persons with Disabilities
(MA-EPD) must have a minimum of $65 in earned income / No income limits / $20,000 per individual / County
Covers virtually all medical care; requires a premium be paid based on income
LIS for Medicare Part D – Partial Extra Help (150% - 136% of FPG) / $1218.39 - $1353.75
single
$1639.14 - $1821.25
couple / $12,640 single
$25,260 couple / SSA
Reduced premium, deductible, out of pocket costs, and copays
LIS for Medicare Part D – Full Extra Help (134% and less of FPG) / $1218.38 or less
single
$1639.13 or less
couple / $8,100 single
$12,910 couple / SSA
No premium, deductible, coinsurance; will pay copays only
LIS for Medicare Part D– Deemed Full Extra Help / In MN the following dual eligible enrollees are deemed eligible for the full subsidy:
  • SSI
  • Full MA Elderly
  • Full MA Disabled
  • MA with a spenddown that has been met at least once in a calendar year
  • Elderly Waiver
  • Disability Waiver (CADI, TBI, CAC, DD)
  • MA-EPD
  • QMB, SLMB, QI-1
/ CMS
No premium, deductible, coinsurance; will pay copays only

As part of the ARRA, the QI-1 program has been extended by Congress through December 31, 2010.

Please note that in MN, the state/county administered program guidelines will not change again until July 1, 2010. The LIS guidelines change shortly after the new Federal Poverty Guidelines are issued in February.

MN MA-LTC
MN MA SNF and ICF/MR Monthly Personal Needs Allowance amount:$89.00
Community Spouse Resource Allowance Amounts / Min Countable Assets: $21,912
Max Assets: $109,560 / Max. Monthly Maintenance Needs Allowance for community spouse: $2,739 / Min. Monthly Maintenance Needs Allowance for community spouse: $1,823 (through 6/30/10)

Prepared by Consumer Choices Team of the Minnesota Board on Aging (7/09)