How Do I Qualify for Extra Help?

Have you heard of LIS (Low Income Subsidies)? You may have heard it referred to as “Extra Help.” It’s a federal program that helps seniors save money on their prescription drugs, and thousands of eligible seniors don’t even know about it.

LIS is designed to help you afford your prescription drug premiums, deductibles, coinsurance, and copayments. It also gives beneficiaries an SEP (Special Enrollment Period) in which you can enroll or make changes to your Medicare plan during any time of year instead of having to wait for the Annual Enrollment Period in the fall. Even better, LIS provides coverage in the Donut Hole.


The Donut Hole is a coverage gap that almost every Medicare beneficiary will face. It means that once you spend $3,750 on prescription drugs, you enter a coverage gap. The coverage gap will end once you spend $5,000 on prescription drugs, but that extra $1,250 can be detrimental. LIS can protect you in that gap.

On average, seniors with LIS save almost $4,000 per year on prescription drugs. To start, you need some sort of prescription drug coverage. You can get prescription drug coverage either in the form of a Medicare Advantage plan or a Medicare Part D plan. Then, fill out an LIS application to find out if you qualify for savings.

Generally, you must be at 150% of the Federal Poverty Level to qualify for LIS. Give us a call and we can help you figure out if you may be eligible. We can find an agent in your area to help you fill out your application (at no cost to you) and answer all your questions about Medicare and prescription drug coverage.

To get started, give us a call at 1-844-431-1832.

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