Medicare Part D helps cover prescription drug costs, but for many people in New York, medication expenses can still be overwhelming. The good news is that the federal government offers a program called Extra Help (also known as the Low-Income Subsidy or LIS) to assist eligible Medicare beneficiaries with paying for their prescription drug plan premiums, deductibles, and copayments.
In this article, we’ll explain how Extra Help works, who qualifies in New York, and how you can apply to start saving money today.
What Is the Medicare Part D Extra Help Program?
Extra Help is a federal assistance program designed to make prescription medications more affordable for Medicare beneficiaries with limited income and resources. It’s administered by the Social Security Administration (SSA) and can significantly reduce your out-of-pocket drug costs under a Medicare Part D plan.
If you qualify, you could pay little to nothing for your monthly premiums, have reduced or zero deductibles, and pay only a small copay for your prescriptions.
Who Qualifies for Extra Help in New York?
To qualify for Extra Help with your Medicare Part D plan in New York, you must meet certain income and resource limits. These limits change annually, but generally, you may qualify if:
- You have Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance)
- You live in the United States, including New York
- Your annual income and resources (such as savings and investments) fall below the eligibility thresholds set by the SSA
In 2025, individuals with an income up to approximately $22,000 and couples up to $30,000 may qualify for some level of Extra Help. However, exact numbers can vary, and some people may automatically qualify if they:
- Receive Medicaid
- Are enrolled in a Medicare Savings Program (MSP)
- Receive Supplemental Security Income (SSI) benefits
What Does Extra Help Cover?
If you qualify for Extra Help in New York, you’ll get several financial benefits, including:
- Lower or no monthly premiums for your Part D plan
- No or reduced annual deductible
- Lower copayments for both generic and brand-name drugs
- No late enrollment penalty for Part D coverage
These savings can amount to hundreds or even thousands of dollars each year, depending on your prescriptions.
How to Apply for Extra Help in New York
You can apply for Extra Help in one of three ways:
- Online: Visit the official Social Security website to complete the application.
- By Phone: Call the Social Security Administration at 1-800-772-1213 (TTY: 1-800-325-0778).
- In Person: Visit your local Social Security office for assistance with your application.
Once your application is approved, you’ll receive a notice confirming your eligibility and the level of help you qualify for.
Need Personalized Assistance?
Determining your eligibility for Extra Help can be confusing, especially if your income or assets are close to the limits. That’s where Medicare Advisors can assist you.
Our licensed Medicare experts can help you:
- Check if you qualify for Extra Help or other savings programs
- Compare and enroll in the best Medicare Part D plan for your needs
- Ensure your prescriptions are fully covered at the lowest possible cost
📞 Call us today at: +1 (877) 255-0284
🌐 Visit: https://medicareabc.com/
📧 Email: info@mymedicareadvisors.com
Final Thoughts
If you live in New York and are struggling with high prescription costs, don’t wait to see if you qualify for Medicare’s Extra Help program. A quick eligibility check could mean big savings on your medications and peace of mind knowing your healthcare costs are under control.
👉 Contact Medicare Advisors today to get expert, no-cost guidance and start saving on your Medicare Part D coverage.
