Program Overview
Texas Medicare Savings Programs help low-income Medicare beneficiaries cover the cost of premiums, deductibles, and copays that Medicare alone doesn't pay. Administered by the state of Texas, these programs — including QMB, SLMB, and QI — can save eligible seniors thousands of dollars each year on healthcare costs. If you're on Medicare in Texas and struggling with out-of-pocket expenses, this program may be able to help.
Estimated savings: $2,000 – $8,000/year in 2026
Eligibility Highlights
- Income below $1,796/month
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What to Gather Before Applying for Texas Medicare Savings Programs in Texas
To apply for Texas Medicare Savings Programs in Texas you will need the following documents ready before contacting your local Medicaid office or calling 211.
Government-issued photo ID
Driver's license, passport, or state ID
Proof of income
Pay stubs, tax return, or SSI letter
Proof of residency
Utility bill, lease, or state-issued document
How to Apply for Medicare Savings in Texas
Check your eligibility
Confirm your income is below $1,796/month and you are currently enrolled in Medicare Part A or Part B.
Gather required documents
Collect your Medicare card, Social Security statements, proof of income, and a Texas ID or utility bill.
Download forms
Download the Medicare Savings Program Application to apply for QMB, SLMB, or QI coverage.
Submit your application
Submit online at YourTexasBenefits.com or mail to your local HHS office. Processing takes 30 to 45 days.
Medicare Savings Locations in Texas
Harris, Fort Bend, Montgomery counties
Dallas, Collin, Denton counties
Tarrant County
Bexar County
Travis, Williamson counties
El Paso County
Don't see a location close to you?
Call the Medicare Savings Help Line to learn about service areas and enrollment options.
Frequently Asked Questions
For 2026, the highest income limit for Texas Medicare Savings Programs is $1,796 per month for individuals at the QI level, which represents 135% of the federal poverty level. QMB has the lowest income threshold, followed by SLMB, and then QI for those with slightly higher incomes. To qualify for any of these programs, you must already be enrolled in Medicare and meet both income and resource limits set by the state. These are state-administered programs run through the Texas Health and Human Services Commission.
You can apply online through YourTexasBenefits.com or in person at your local Texas Health and Human Services office. The application requires proof of income and assets so the state can determine which program level you qualify for. Processing typically takes 30 to 45 days from the time your completed application is received. If approved, SLMB and QI benefits can be applied retroactively for up to three months before your application date, so it is worth applying as soon as you think you may be eligible.
The biggest difference is what each program covers. QMB is the most comprehensive, paying for your Medicare premiums, deductibles, and copays, which means Medicare providers cannot bill you for any remaining costs on covered services. SLMB and QI only cover your monthly Part B premium and do not help with deductibles, copays, or coinsurance. QMB has the lowest income limit of the three, while QI allows higher incomes but is funded on a first-come, first-served basis, so applying early in the year is recommended.
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