How to apply
Two ways to get help — and free support to do it
There are two separate applications: federal Extra Help (through Social Security) and your state Medicare Savings Program (through your state Medicaid office). You can pursue both — and qualifying for an MSP automatically gives you full Extra Help.
Choose your path
Where would you like to start?
Federal Extra Help (SSA-1020)
Apply with Social Security — online or by mail. Our step-by-step walkthrough covers both, with a printable checklist.
State Medicare Savings Program
Apply through your state Medicaid office. Qualifying for an MSP automatically gives you full Extra Help. Find your state's path.
Get free help applying
A SHIP counselor is federally funded and free. They'll review your situation and help you complete either application.
Not sure if you’ll qualify before you apply? The eligibility check gives you a quick, private estimate first.
Sources for this page
- SSA — Apply for Extra Help (Form SSA-1020) (opens in a new tab)verified June 16, 2026
- SSA i1020 — online Extra Help application (opens in a new tab)verified June 16, 2026
- Medicare.gov — Medicare Savings Programs (opens in a new tab)verified June 16, 2026