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Medicare basics
Low-Income Subsidy (LIS) Extra Help Program

The Low-Income Subsidy (LIS) Extra Help program is a discount plan to assist eligible individuals with their Part D Prescription Drug Plan. The LIS program can help pay the Part D monthly premium, lower the cost of prescriptions drugs at the pharmacy, and eliminate the “donut hole”. (The “donut hole” occurs when the Medicare beneficiary surpasses the prescription drug coverage limit of $3,820.00 and is financially responsible for 75% of the cost of brand-name drugs and 56% the cost for generic drugs until the expenses reach the catastrophic coverage threshold of $7,653.75.)

Eligibility is based on monthly income and assets. If you would like to find out if you are eligible for “Extra Help” with your Medicare Part D coverage, we can help - call 1-800-653-7723 and one of team members can help you!

Medicare Part D Education & Enrollment

Congress passed federal legislation creating the Medicare Part D, Prescription Drug Assistance Program in 2003 and the program was implemented January 1, 2006. This program is available to anyone eligible for Medicare Part A or Part B. People with Medicare may enroll in Part D coverage through either a stand-alone plan or a Medicare Advantage plan. People on Medicare who choose not to enroll and have no other drug coverage may pay a penalty for late enrollment.


Each year, during open enrollment (October 15th - December 7th) you should review your Part D plan options and look for three things:

  • Convenience – know what pharmacies you can use;

  • Cost – know all the possible out-of-pocket expenses you may have to pay;

  • Coverage – make sure the list of covered drugs (formulary) includes your prescriptions.


People who are new to Medicare have a seven-month enrollment to choose a Part D plan – three months before their birthday, the month of their birthday, and three months after their birthday.


People who miss their initial enrollment period can enroll during open enrollment (October 15 – December 7 each year) to enroll or change plans for the following calendar year.


People who lose their creditable coverage have 63 days from the plan termination to enroll in a Part D plan with no penalty.

Depending upon your income, individuals may be eligible for the LIS (Low-Income Subsidy) Assistance “Extra Help” program, which helps pay your premiums, helps pay your drug costs, and keeps you out of the “donut hole”.


For assistance in reviewing your Part D plan, or eligibility for the Extra Help program, AAA3's team members are here to help! Call 1-800-653-7723 to speak with one of our team members.

medicare savings program

The Area Agency on Aging 3 can help you apply for Medicare Savings Programs, which could save you money on Medicare premiums, deductibles, and co-pays. Contact one of our team members at 1-800-653-7723 to find out how!

We are here to help

Since 2009, MIPPA grantees have submitted more than 860,000 LIS (Low Income Subsidy) and MSP (Medicare Savings Programs) applications for a total value of benefits of over $2.3 billion.


If you are unsure about your eligibility for this prescription savings program, please call us at the Area Agency on Aging 3 at             1-800-653-7723. We can fill out your application right over the phone and submit for you!

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