QMB — Qualified Medicare Beneficiary

Definition. QMB (Qualified Medicare Beneficiary) is the Medicare Savings Program with the most help: it pays your Part A and Part B premiums, deductibles, coinsurance and copays. Federal law bars Medicare providers from billing QMB members for Medicare cost-sharing. In Oregon, ODHS decides eligibility, with no asset limit.

What it means

If you're in QMB:

• The state pays your Part B premium ($202.90 a month in 2026) and, if you owe one, your Part A premium.
• You owe nothing for Medicare Part A and Part B deductibles, coinsurance or copays for covered services.
• Medicare providers may not bill you for those amounts, even if they don't accept Medicaid.
• You get Extra Help with Part D drug costs automatically.

Billing mistakes happen, especially with providers outside Oregon. Keep your cards handy and say you're a QMB member when you get care.

In Oregon

The Oregon Department of Human Services runs QMB. Oregon has no asset limit, only an income limit of 100% of the federal poverty level, which ODHS updates each March. Some QMB members also have OHP ("QMB + OHP with Limited Drug"); others get an Oregon Health ID only so the state can pay Medicare cost-sharing. Apply online at ONE Oregon (one.oregon.gov), at 1-800-699-9075 (TTY 711) or at a local ODHS office. See Medicare Savings Programs in Oregon.