For many Medicare beneficiaries in New York, the cost of prescription drugs can be a major concern. The Extra Help program—also known as the Low-Income Subsidy (LIS)—is a federal assistance program designed to reduce the cost of Medicare Part D prescription drug coverage. If you live in New York, you may be eligible for significant savings on premiums, deductibles, and copays.
In this guide, we break down who qualifies, how the program works, and how Medicare Advisors can help you apply easily and get the savings you deserve.
What Is the Extra Help Program?
Extra Help is a subsidy offered by the Social Security Administration (SSA) to assist Medicare beneficiaries with limited income and resources.
It helps reduce:
- Monthly Part D premiums
- Annual deductibles
- Prescription drug copayments
- Out-of-pocket costs during the coverage gap
For eligible individuals, this can mean thousands of dollars saved each year.
Do I Qualify for Extra Help with Part D in NY?
Eligibility for Extra Help in New York is based on your:
- Income
- Resources (assets)
- Medicare status
To qualify in 2025, you must:
1. Be enrolled in (or eligible for) Medicare Part A or Part B
You must already have Medicare coverage to apply for assistance.
2. Live in the United States
Including all U.S. states and territories—NY residents fully qualify.
3. Meet income and resource limits
While limits change annually, NY offers some of the most flexible rules.
You may qualify even if your income is higher than the federal Extra Help limits because NY has additional assistance programs.
Typical income and resource limits include:
- Income: Around 150% of the federal poverty level (varies yearly)
- Resources: Bank accounts, investments, etc. (your primary home and personal belongings do not count)
📝 Important: Even if you think your income is too high, you may still qualify due to New York’s expanded eligibility and Medicare Savings Programs.
Benefits of Extra Help for NY Residents
If approved, you may receive:
- $0 – low monthly Part D premiums
- Reduced or $0 deductibles
- Low copays for generic & brand-name drugs
- Protection from high drug costs during the donut hole
- Automatic eligibility for additional NY state benefits
This can mean saving hundreds of dollars per month on medications.
How to Apply for Extra Help in New York
Applying is simple, and you can be approved even faster with the support of a licensed Medicare broker.
You can apply:
- Online through Social Security
- By phone
- By mail
- With help from a Medicare insurance expert
Why Get Help from Medicare Advisors?
At Medicare Advisors, we help NY beneficiaries:
- Check eligibility instantly
- Compare Part D plans that match Extra Help benefits
- Complete the application step-by-step
- Maximize savings on prescription drugs
- Avoid common enrollment mistakes that can delay approval
Our support is 100% free.
Frequently Asked Questions (FAQ)
Can I qualify for Extra Help automatically?
Yes. You may automatically qualify if you already have:
- Medicaid
- Supplemental Security Income (SSI)
- A Medicare Savings Program (MSP)
Do married couples qualify separately?
Yes. Income and resources are counted jointly, but each spouse applies individually.
Can I have savings and still qualify for Extra Help?
Yes. New York is very flexible, and not all assets count against you.
Does Extra Help work with Medicare Advantage (Part C)?
Absolutely. Many Medicare Advantage plans include drug coverage and work perfectly with Extra Help.
Get Free Help Checking Your Eligibility Today
If you’re wondering “Do I qualify for Extra Help with Part D in NY?”—our team is ready to assist you.
We help seniors across New York find the right Medicare plan, apply for Extra Help, and reduce their prescription drug costs.
📞 Call Medicare Advisors: +1 (877) 255-0284
🌐 Visit: https://medicareabc.com/
📩 Email: info@mymedicareadvisors.com
