The answer
How do I lower my Medicare costs?
You can lower your Medicare costs through a few different paths, depending on your income and situation.
If you have limited income and resources, you may qualify for help: Medicare Savings Programs (state programs that can pay your Part B premium and other costs), Extra Help (a federal program that lowers prescription drug costs), or Medicaid alongside Medicare. Choosing coverage that matches your actual medication and provider needs also avoids paying for things you do not use. Enrolling on time matters too, since late penalties add a permanent surcharge to your premiums. Reviewing your plan each year during the fall enrollment period can catch cost increases. To compare your options and check whether you qualify for help, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.