{"id":39576,"date":"2026-10-06T12:03:23","date_gmt":"2026-10-06T17:03:23","guid":{"rendered":"https:\/\/holaamericanews.com\/?p=39576"},"modified":"2026-10-08T21:03:39","modified_gmt":"2026-10-09T02:03:39","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":"Copagos de Medicare pueden bajar a $5.10 o $12.65 para beneficiarios elegibles en Iowa en 2026"},"content":{"rendered":"<div id=\"holaa-2478000206\" class=\"holaa-before-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.heather4polkcounty.com\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Phase2_GOTV_728x90px\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Phase2_GOTV_728x90px.gif\" alt=\"\"  width=\"728\" height=\"90\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/><h2>Extra Help puede reducir los costos de medicamentos recetados, mientras que los Programas de Ahorros de Medicare pueden ayudar a beneficiarios elegibles en Iowa a pagar primas, deducibles y coseguros.<\/h2>\n<p><em>Actualizado el 8 de octubre de 2026.<\/em><\/p>\n<p><strong>Los residentes de Iowa con ingresos y recursos limitados pueden calificar para Extra Help, que en 2026 puede reducir los copagos de medicamentos cubiertos a no m\u00e1s de $5.10 para medicamentos gen\u00e9ricos y $12.65 para medicamentos de marca. Los Programas de Ahorros de Medicare tambi\u00e9n pueden ayudar a beneficiarios elegibles a pagar costos de las Partes A y B de Medicare.<\/strong><\/p><div id=\"holaa-4278740744\" 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;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/yourlifeiowa.org\/kratom\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"71915 HHS YLI Kratom 2026 728&#215;90\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/71915-HHS-YLI-Kratom-2026-728x90-1.jpg\" alt=\"\"  srcset=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/71915-HHS-YLI-Kratom-2026-728x90-1.jpg 728w, https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/71915-HHS-YLI-Kratom-2026-728x90-1-300x37.jpg 300w, https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/71915-HHS-YLI-Kratom-2026-728x90-1-696x86.jpg 696w\" sizes=\"(max-width: 728px) 100vw, 728px\" width=\"728\" height=\"90\"  style=\"display: inline-block;\" \/><\/a><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<p>Los Programas de Ahorros de Medicare, o MSP por sus siglas en ingl\u00e9s, pueden ayudar con los costos de las Partes A y B de Medicare. Dependiendo del programa, la asistencia puede cubrir solamente la prima de la Parte B o tambi\u00e9n primas, deducibles y coseguros.<\/p>\n<p>Extra Help se enfoca en los costos de medicamentos recetados de la Parte D de Medicare. El programa puede reducir o eliminar la prima de un plan de medicamentos y disminuir los copagos de medicamentos recetados para beneficiarios elegibles.<\/p>\n<p>Los programas tambi\u00e9n pueden funcionar juntos. Las personas que califican para un Programa de Ahorros de Medicare califican autom\u00e1ticamente para Extra Help con los costos de medicamentos recetados de Medicare.<\/p>\n<div id=\"holaa-24165328\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><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 tiene l\u00edmites de ingresos y recursos m\u00e1s altos en 2026<\/h2>\n<p>Extra Help, tambi\u00e9n conocido como Low-Income Subsidy o Subsidio por Bajos Ingresos, ayuda a las personas con ingresos y recursos limitados a pagar los costos de la Parte D de Medicare.<\/p><div id=\"holaa-1671044613\" class=\"holaa-ad-inside-articles holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><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 l\u00edmites de ingresos y recursos al evaluar la elegibilidad para Extra Help:<\/p>\n<ul>\n<li><strong>Persona soltera:<\/strong> ingresos mensuales menores de $2,015 y recursos menores de $18,090.<\/li>\n<li><strong>Pareja casada:<\/strong> ingresos mensuales combinados menores de $2,725 y recursos menores de $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 cuentan bajo las reglas de recursos de Extra Help.<\/p><div id=\"holaa-162499764\" class=\"holaa-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><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>El Seguro Social tambi\u00e9n excluye ciertas cantidades destinadas a gastos funerarios al calcular los recursos. Esa exclusi\u00f3n est\u00e1 incluida en las cantidades m\u00e1s altas que se utilizan com\u00fanmente para evaluar la elegibilidad para Extra Help.<\/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 recetados cubiertos generalmente no superan los <strong>$5.10 por un medicamento gen\u00e9rico<\/strong> y los <strong>$12.65 por un medicamento de marca<\/strong> en farmacias participantes.<\/p><div id=\"holaa-3277441698\" class=\"holaa-content_2 holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><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 Plan para votar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Spanish-300x250-Plan-para-votar.png\" alt=\"\"  width=\"300\" height=\"250\"  style=\"display: inline-block;\" \/><\/a><\/div>\n<p>Extra Help tambi\u00e9n puede reducir las primas y los deducibles de la Parte D de Medicare. El costo exacto depende, en parte, del plan de medicamentos seleccionado y de las circunstancias del beneficiario.<\/p>\n<p>Las personas califican autom\u00e1ticamente para Extra Help si reciben beneficios completos de Medicaid, reciben ayuda de un Programa de Ahorros de Medicare para pagar la prima de la Parte B de Medicare o reciben Seguridad de Ingreso Suplementario, o SSI.<\/p>\n<p>Las personas que no califican autom\u00e1ticamente pueden <a href=\"https:\/\/www.ssa.gov\/medicare\/part-d-extra-help\" target=\"_blank\" rel=\"noopener noreferrer\">solicitar Extra Help a trav\u00e9s de la Administraci\u00f3n del Seguro Social<\/a>. Las solicitudes pueden presentarse en cualquier momento del a\u00f1o.<\/p>\n<h2>Los Programas de Ahorros de Medicare pueden ayudar a pagar los costos de las Partes A y B<\/h2>\n<p>Los Programas de Ahorros de Medicare de Iowa son administrados por Iowa Health and Human Services e incluyen varias categor\u00edas de elegibilidad. La cantidad de asistencia depende de los ingresos, los recursos y el programa espec\u00edfico para el cual califica una persona.<\/p>\n<p>Para la evaluaci\u00f3n general en 2026, Iowa SHIIP establece 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 no m\u00e1s de <strong>$9,950 para una persona<\/strong> o <strong>$14,910 para una pareja<\/strong>.<\/p>\n<p>Estas cifras no significan que todos los solicitantes reciban la misma cobertura. Iowa HHS utiliza los ingresos contables y las reglas espec\u00edficas de elegibilidad de cada programa para determinar qu\u00e9 Programa de Ahorros de Medicare corresponde.<\/p>\n<h2>QMB puede cubrir m\u00e1s costos de Medicare que otras categor\u00edas de MSP<\/h2>\n<p>El programa Qualified Medicare Beneficiary, o QMB, puede ayudar a pagar las primas, deducibles y coseguros de las Partes A y B de Medicare para beneficiarios elegibles.<\/p>\n<p>Otras categor\u00edas de los Programas de Ahorros de Medicare, incluidas SLMB y el programa Expanded SLMB de Iowa, generalmente se enfocan en pagar la prima de la Parte B de Medicare en lugar de deducibles y otros costos compartidos.<\/p>\n<p>Iowa HHS tambi\u00e9n administra un programa para ciertas personas con discapacidades que regresaron a trabajar y perdieron el derecho a la Parte A de Medicare sin prima.<\/p>\n<p>Las personas aprobadas para un Programa de Ahorros de Medicare tambi\u00e9n reciben Extra Help para los costos de medicamentos recetados de Medicare.<\/p>\n<h2>Los ingresos y recursos se calculan seg\u00fan las reglas de cada programa<\/h2>\n<p>Las cantidades utilizadas para determinar la elegibilidad para los programas de asistencia de Medicare no siempre equivalen al saldo total de una cuenta bancaria ni al total de los dep\u00f3sitos mensuales de una persona.<\/p>\n<p>Para los Programas de Ahorros de Medicare, los recursos pueden incluir cuentas bancarias, acciones, bonos, certificados de dep\u00f3sito y cuentas de jubilaci\u00f3n. La vivienda y el veh\u00edculo principales generalmente est\u00e1n excluidos.<\/p>\n<p>Los ingresos pueden incluir Seguro Social, pensiones, salarios, anualidades, beneficios para veteranos y beneficios de jubilaci\u00f3n ferroviaria, aunque las reglas del programa pueden excluir o no contar ciertos ingresos al determinar la elegibilidad.<\/p>\n<p>Debido a que estos c\u00e1lculos pueden afectar la elegibilidad, las personas que est\u00e9n ligeramente por encima de un l\u00edmite publicado pueden considerar solicitar una evaluaci\u00f3n de sus circunstancias en lugar de asumir que no califican.<\/p>\n<h2>Los residentes de Iowa pueden solicitar MSP a trav\u00e9s de Iowa HHS<\/h2>\n<p>Las solicitudes para los Programas de Ahorros de Medicare se gestionan a trav\u00e9s de Iowa Health and Human Services. Los residentes pueden consultar los <a href=\"https:\/\/hhs.iowa.gov\/medicaid\/plans-programs\/fee-service\/medicare-savings-program\" target=\"_blank\" rel=\"noopener noreferrer\">recursos de informaci\u00f3n y solicitud de los Programas de Ahorros de Medicare de Iowa<\/a> para conocer el programa y acceder al portal de beneficios de HHS.<\/p>\n<p>Iowa SHIIP-SMP tambi\u00e9n puede ayudar a los residentes a entender los programas y completar las solicitudes. La asesor\u00eda es gratuita, confidencial y est\u00e1 disponible en ingl\u00e9s y espa\u00f1ol.<\/p>\n<p>Puedes comunicarte con SHIIP-SMP al <strong>1-800-351-4664<\/strong>. El n\u00famero TTY es <strong>1-800-735-2942<\/strong>.<\/p>\n<p>Las solicitudes para Extra Help est\u00e1n disponibles durante todo el a\u00f1o a trav\u00e9s del Seguro Social, mientras que las solicitudes para los Programas de Ahorros de Medicare son gestionadas por Iowa HHS. Los l\u00edmites de ingresos y recursos se actualizan peri\u00f3dicamente, por lo que las cifras de 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 y m\u00e1s<\/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-638587552\" class=\"holaa-after-content holaa-entity-placement\" style=\"margin-top: 2px;margin-bottom: 2px;margin-left: auto;margin-right: auto;text-align: center;\" role=\"region\" aria-label=\"Advertisements\"><div class=\"holaa-adlabel\">Advertisements<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.heather4polkcounty.com\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Phase2_GOTV_728x90px\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/holaamericanews.com\/wp-content\/uploads\/2026\/10\/Phase2_GOTV_728x90px.gif\" alt=\"\"  width=\"728\" height=\"90\"  style=\"display: inline-block;\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Extra Help puede reducir los costos de medicamentos recetados, mientras que los Programas de Ahorros de Medicare pueden ayudar a beneficiarios elegibles en Iowa a pagar primas, deducibles y coseguros. [&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,"cybocfi_hide_featured_image":"","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":"3.0.6","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<!-- 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