{"id":39576,"date":"2026-10-06T12:03:23","date_gmt":"2026-10-06T17:03:23","guid":{"rendered":"https:\/\/holaamericanews.com\/?p=39576"},"modified":"2026-10-06T12:06:00","modified_gmt":"2026-10-06T17:06:00","slug":"2-programs-can-lower-medicare-premiums-and-drug-costs-for-eligible-iowans","status":"publish","type":"post","link":"https:\/\/holaamericanews.com\/es\/2-programs-can-lower-medicare-premiums-and-drug-costs-for-eligible-iowans\/","title":{"rendered":"Ayuda para pagar Medicare en Iowa: l\u00edmites 2026 para MSP y Extra Help"},"content":{"rendered":"<div id=\"holaa-241001074\" class=\"holaa-before-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/voterready.iowa.gov\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Spanish 300&#215;250\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Spanish-300x250-1.png\" alt=\"\"  width=\"300\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/><h1>Dos programas pueden reducir primas, deducibles y costos de medicamentos para residentes de Iowa que cumplan con los requisitos de ingresos y recursos.<\/h1>\n<p><em>Actualizado el 6 de octubre de 2026.<\/em><\/p>\n<p><strong>Las personas con Medicare en Iowa que tienen ingresos y recursos limitados podr\u00edan recibir ayuda para reducir sus costos mediante dos programas: los Medicare Savings Programs y Extra Help.<\/strong> Cada programa cubre gastos diferentes y utiliza sus propios l\u00edmites de ingresos y recursos para 2026.<\/p><div id=\"holaa-3843450354\" class=\"holaa-ad-inside-articles-2 holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.desmoinesperformingarts.org\/content\/get-tickets\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"HolaIowa-Sept2026[47]\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/HolaIowa-Sept202647-1.gif\" alt=\"\"  width=\"600\" height=\"735\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<p>Los <strong>Medicare Savings Programs (MSP)<\/strong>, o Programas de Ahorros de Medicare, pueden ayudar a pagar costos de las Partes A y B de Medicare. Dependiendo del programa, la asistencia puede cubrir \u00fanicamente la prima de la Parte B o tambi\u00e9n primas, deducibles y coseguro.<\/p>\n<p><strong>Extra Help<\/strong>, tambi\u00e9n conocido como Ayuda Adicional, se concentra en los costos de medicamentos recetados de Medicare Parte D. El programa puede reducir o eliminar ciertas primas del plan de medicamentos y disminuir los copagos de las recetas para quienes sean elegibles.<\/p>\n<p>Ambos programas tambi\u00e9n pueden estar relacionados: las personas que califican para un Medicare Savings Program obtienen autom\u00e1ticamente Extra Help para sus costos de medicamentos de Medicare.<\/p>\n<div id=\"holaa-4144839990\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.greenstate.org\/loans\/flexible-financing\/auto\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"728x90_AutoLoans_SPANISH\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/04\/728x90_AutoLoans_SPANISH.gif\" alt=\"\"  width=\"728\" height=\"90\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<h2>Extra Help permite ingresos m\u00e1s altos que los Medicare Savings Programs<\/h2>\n<p>Extra Help, tambi\u00e9n conocido como Low-Income Subsidy, ayuda a personas con ingresos y recursos limitados a pagar costos relacionados con Medicare Parte D.<\/p><div id=\"holaa-1605982144\" class=\"holaa-ad-inside-articles holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/robsand.com\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"SPANISH RSG26097_Affordable Spanish 300x250_v2\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/SPANISH-RSG26097_Affordable-Spanish-300x250_v2-e1791213844707.jpg\" alt=\"\"  width=\"300\" height=\"1042\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<p>Para 2026, Iowa SHIIP utiliza los siguientes montos como referencia inicial para evaluar la posible elegibilidad a Extra Help:<\/p>\n<ul>\n<li><strong>Persona soltera:<\/strong> ingreso mensual inferior a $2,015 y recursos inferiores a $18,090.<\/li>\n<li><strong>Pareja casada:<\/strong> ingreso mensual combinado inferior a $2,725 y recursos inferiores a $36,100.<\/li>\n<\/ul>\n<p>Los recursos pueden incluir cuentas de cheques y ahorros, cuentas de jubilaci\u00f3n, acciones y bonos. La vivienda principal, las pertenencias personales y un veh\u00edculo generalmente no se contabilizan bajo las reglas de recursos de Extra Help.<\/p><div id=\"holaa-620860485\" class=\"holaa-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"http:\/\/www.cleanupiowa.org\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"CIB26001_CLR_DIGITAL_SPAN_V5 (1)-page-001\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/CIB26001_CLR_DIGITAL_SPAN_V5-1-page-001.jpg\" alt=\"\"  width=\"300\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<p>Social Security tambi\u00e9n excluye determinadas cantidades reservadas para gastos funerarios al calcular los recursos de una persona.<\/p>\n<h2>Extra Help puede reducir los copagos de medicamentos a $5.10 o $12.65 en 2026<\/h2>\n<p>Para las personas que califican para Extra Help en 2026, los costos de medicamentos cubiertos generalmente no superan <strong>$5.10 por un medicamento gen\u00e9rico<\/strong> y <strong>$12.65 por un medicamento de marca<\/strong> en farmacias participantes.<\/p><div id=\"holaa-1196928616\" class=\"holaa-content_2 holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.desmoinesperformingarts.org\/content\/get-tickets\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"HolaIowa-Sept2026[47]\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/HolaIowa-Sept202647-1.gif\" alt=\"\"  width=\"600\" height=\"735\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<p>Extra Help tambi\u00e9n puede reducir las primas y deducibles de Medicare Parte D. El costo final depende, entre otros factores, del plan de medicamentos y de la situaci\u00f3n de cada beneficiario.<\/p>\n<p>Algunas personas reciben Extra Help autom\u00e1ticamente. Esto incluye a quienes tienen beneficios completos de Medicaid, reciben ayuda de un Medicare Savings Program para pagar la prima de la Parte B o reciben Supplemental Security Income, conocido como SSI.<\/p>\n<p>Quienes no reciben Extra Help autom\u00e1ticamente pueden <a href=\"https:\/\/www.ssa.gov\/medicare\/part-d-extra-help\" target=\"_blank\" rel=\"noopener noreferrer\">solicitar el beneficio a trav\u00e9s de la Social Security Administration<\/a>. La solicitud puede presentarse durante cualquier \u00e9poca del a\u00f1o.<\/p>\n<h2>Los Medicare Savings Programs pueden ayudar con las Partes A y B<\/h2>\n<p>Los Medicare Savings Programs de Iowa son administrados por Iowa Health and Human Services y se dividen en distintas categor\u00edas de elegibilidad. El nivel de asistencia depende de los ingresos, recursos y el programa para el cual califique cada persona.<\/p>\n<p>Como referencia general para 2026, Iowa SHIIP utiliza un l\u00edmite mensual de ingresos de <strong>$1,816 para una persona soltera<\/strong> y <strong>$2,455 para una pareja casada<\/strong>, con recursos de hasta <strong>$9,950 para una persona<\/strong> o <strong>$14,910 para una pareja<\/strong>.<\/p>\n<p>Estos montos no significan que todas las personas por debajo del l\u00edmite reciban la misma asistencia. Iowa HHS utiliza ingresos contables y requisitos espec\u00edficos para determinar la elegibilidad y la categor\u00eda de Medicare Savings Program correspondiente.<\/p>\n<h2>QMB puede cubrir m\u00e1s gastos que otras categor\u00edas de MSP<\/h2>\n<p>El <strong>Qualified Medicare Beneficiary program (QMB)<\/strong> puede ayudar a pagar las primas de Medicare Parte A y Parte B, as\u00ed como deducibles y coseguro para las personas que califican.<\/p>\n<p>Otras categor\u00edas de Medicare Savings Programs, como SLMB y el programa Expanded SLMB de Iowa, se concentran principalmente en ayudar a pagar la prima de Medicare Parte B.<\/p>\n<p>Iowa HHS tambi\u00e9n administra asistencia para determinadas personas con discapacidad que regresaron a trabajar y perdieron el acceso a Medicare Parte A sin prima.<\/p>\n<p>Las personas aprobadas para un Medicare Savings Program tambi\u00e9n reciben Extra Help para reducir costos de medicamentos recetados de Medicare.<\/p>\n<h2>Los programas no cuentan todos los ingresos y recursos de la misma manera<\/h2>\n<p>Los l\u00edmites publicados para estos programas no siempre corresponden directamente al saldo total de una cuenta bancaria o al ingreso bruto que recibe una persona cada mes.<\/p>\n<p>Para los Medicare Savings Programs, los recursos pueden incluir cuentas bancarias, acciones, bonos, certificados de dep\u00f3sito y cuentas de jubilaci\u00f3n. La vivienda principal y el veh\u00edculo principal generalmente quedan excluidos.<\/p>\n<p>Los ingresos pueden incluir Social Security, pensiones, salarios, anualidades, beneficios para veteranos y Railroad Retirement, aunque las reglas pueden excluir o descontar determinadas cantidades al calcular la elegibilidad.<\/p>\n<p>Por esa raz\u00f3n, superar ligeramente una cifra de referencia no necesariamente determina por s\u00ed solo que una persona no pueda recibir asistencia. La elegibilidad final depende de las reglas aplicables a cada programa.<\/p>\n<h2>Las solicitudes para MSP se presentan a trav\u00e9s de Iowa HHS<\/h2>\n<p>Los Medicare Savings Programs son administrados en Iowa por Iowa Health and Human Services. Los residentes pueden consultar la <a href=\"https:\/\/hhs.iowa.gov\/medicaid\/plans-programs\/fee-service\/medicare-savings-program\" target=\"_blank\" rel=\"noopener noreferrer\">informaci\u00f3n oficial de Iowa sobre Medicare Savings Programs<\/a> y acceder desde all\u00ed a los recursos para solicitar asistencia.<\/p>\n<p>Iowa SHIIP-SMP tambi\u00e9n ofrece ayuda gratuita y confidencial para entender estos programas y completar solicitudes. La asistencia est\u00e1 disponible en ingl\u00e9s y espa\u00f1ol.<\/p>\n<p>SHIIP-SMP puede ser contactado al <strong>1-800-351-4664<\/strong>. El n\u00famero TTY es <strong>1-800-735-2942<\/strong>.<\/p>\n<p>Las solicitudes de Extra Help est\u00e1n disponibles durante todo el a\u00f1o a trav\u00e9s de Social Security, mientras que los Medicare Savings Programs son administrados por Iowa HHS. Los l\u00edmites de ingresos y recursos cambian peri\u00f3dicamente; las cifras incluidas en esta gu\u00eda corresponden a 2026.<\/p>\n<p><strong>Relacionado:<\/strong> <a href=\"https:\/\/holaamericanews.com\/iowa-benefits-2026-snap-wic-medicaid-rent-and-child-care-deadlines\/\">Beneficios en Iowa 2026: SNAP, WIC, Medicaid, renta y cuidado infantil<\/a><\/p>\n<hr \/>\n<p><strong>Mantente al tanto de las historias que importan: visita <a href=\"https:\/\/holaamericanews.com\/\">HolaAmericaNews.com<\/a> para consultar las \u00faltimas noticias, cultura y actualizaciones de la comunidad.<\/strong><\/p>\n<div id=\"holaa-458995925\" class=\"holaa-after-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"http:\/\/www.cleanupiowa.org\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"CIB26001_CLR_DIGITAL_SPAN_V5 (1)-page-001\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/CIB26001_CLR_DIGITAL_SPAN_V5-1-page-001.jpg\" alt=\"\"  width=\"300\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Dos programas pueden reducir primas, deducibles y costos de medicamentos para residentes de Iowa que cumplan con los requisitos de ingresos y recursos. Actualizado el 6 de octubre de 2026. [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":39580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[11,35,1],"tags":[19545,14277,12705,19541,7839,19547,19535,19539,19543,19549],"class_list":["post-39576","post","type-post","status-publish","format-standard","has-post-thumbnail","category-hola-iowa","category-latest-news","category-uncategorized","tag-extra-help","tag-health-insurance","tag-iowa-hhs","tag-iowa-shiip","tag-medicare","tag-medicare-costs","tag-medicare-iowa","tag-medicare-part-d","tag-medicare-savings-programs","tag-prescription-drug-assistance"],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"es","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":true,"content":true,"excerpt":false}}},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Two programs can lower Medicare costs in Iowa. 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