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Qualified Medicare Beneficiary (QMB) Program

06/25/2019 - October, 2019: CMS will further modify the Medicare Summary Notice (MSN) for QMBs to reflect zero cost-sharing liability only for paid claims, not for claims that are denied (MM11230)


What is the QMB Program?

People with Medicare who are in the QMB program are also enrolled in Medicaid and get help with their Medicare premiums and cost-sharing. In 2017, 7.7 million people (more than one out of eight people with Medicare) were in the QMB program.


What are the Billing Requirements Affecting People in the QMB Program?

Medicare providers and suppliers may not bill people in the QMB program for Medicare deductibles, coinsurance, or copays, but state Medicaid programs may pay for those costs. Under some circumstances, federal law lets states limit how much they pay providers for Medicare cost-sharing. Even when that's the case, people in the QMB program have no legal obligation to pay Medicare providers for Medicare Part A or Part B cost-sharing.

Despite these billing rules, our July 2015 study ("Access to Care Issues Among QMBs") found that those in the QMB program are still being wrongly billed and that confusion about billing rules continues. We're sharing this information to help you understand the QMB program and its billing rules. 

Additional Information for Medicare Providers & Suppliers


Additional Information for Medicare Advantage Plans


Additional Information to Share with People with Medicare & their Advocates


Additional Information for States


Additional Resources