The Part A Buy-in is a process available in certain states if you are ineligible to receive premium-free Part A. The Part A Buy-in process allows qualifying individuals who delayed Part A enrollment to get Part A outside the GEP. Through the Part A Buy-in, you can have your Part A premium paid for by the QMB MSP.
To be eligible for the Part A Buy-in, you must:
- Be at least 65 years or older
- Be a current U.S. resident and either:
- A U.S. citizen
- OR, a lawful permanent U.S. resident having lived in the U.S. for five continuous years before applying for Medicare
- Be ineligible for premium-free Part A (see What are the Benefits Included in the Medicare Savings Programs?)
- Meet the eligibility requirements in your state for the QMB MSP (see What are the Income and Asset Limits for the MSP?)
After successfully getting the Part A Buy-in, you should be enrolled in:
- Medicare Parts A, B, and D
- Qualified Medicare Beneficiary MSP, which pays Part A and Part B premiums, and will cover or waive Medicare coinsurances, copayments, and deductibles
- Extra Help, which lowers Part D drug costs
The process for the Part A Buy-in varies greatly by state. You should contact your local Medicaid office for more information. You can also contact their SHIP to find out if there is a Part A Buy-In agreement in your state, and learn more about the process. Contact your SHIP by calling 877-839-2675 or visiting www.shiptacenter.org.
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