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What is Extra Help?

  • Medicare with Melissa

Extra Help is a program offered by Medicare for people with low incomes and limited assets. This is also called Low Income Subsidy or LIS. But less than half of the people eligible for Extra Help actually sign up. So, if you need help paying Part D premiums, deductibles and copays, submit an application.

What income counts?  

  • Wages
  • Earnings from self-employment
  • Social Security benefits
  • Railroad Retirement benefits
  • Veterans’ benefits
  • Pensions, annuities and alimony
  • Rental income
  • Worker’s compensation

What resources count?

  • Cash
  • Bank accounts
  • Stocks, bonds, or IRA or similar investments
  • Real estate other than your primary resident

Other Help for Prescription Drug Costs:

Some states and counties do offer other programs. Here is a list of ideas to help you lower prescription drug costs.  

  • Manufacturer Coupons: Using a manufacture coupon is legal, you just can’t use them with your Part D insurance. Your pharmacy should be able to tell you if you will save more money with the coupon.  
  • GoodRX and other online companies can often save you money.  
  • Some states have a State Pharmaceutical Program.  
  • Some drug manufactures offer discounts on their drugs.  
  • Ask your doctor for free samples 
  • Apply with a local charity
  • Contact the Health Department in your county to see if they have any free medicine programs

How Can I Apply for Medicare Extra Help?

  1. Apply online at
  2. Call Social Security at 1-800-772-1213 and request an application be mailed to you or apply over the phone.
  3. Apply in person at your local Social Security office.

Learn More: What is the Donut Hole?

People Also Read: Are Vaccines Covered by Medicare Part D?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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