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HomeMedicare Part DNew YorkGlen CoveGlen Cove, NY: Extra Help for Part D in 2027

Medicare Part D

Glen Cove, NY: Extra Help for Part D in 2027

GLEN COVE, N.Y. — If prescription costs are stretching your monthly budget, there's a federal program you may not have heard about: the Low-Income Subsidy, better known as Extra Help. It's designed to lower what people with Medicare pay for their Part D prescription drugs — including premiums, deductibles, and copays.

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2027 DRUG LIST ALERT

Will your prescriptions still be covered in 2027?

Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.

  • Every prescription checked, name by name
  • Your pharmacy checked for preferred pricing

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Annual Enrollment: Oct 15 – Dec 7

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Organizing medication at home in Glen Cove — illustrating this Medicare guide
Photo: Svitlana Photo by Svitlana on Unsplash

Key takeaways

  • Extra Help is a federal program that lowers Part D drug costs like premiums, deductibles, and copays, and it works alongside your existing Part D or Medicare Advantage drug plan.
  • As of 2024, the old "partial" benefit tier was eliminated, so everyone who qualifies now gets the full Extra Help benefit.
  • If you qualify for Extra Help, you get a Special Enrollment Period that lets you change your drug plan once per quarter during the first three quarters of the year, instead of waiting for the Oct. 15 – Dec. 7 Annual Enrollment Period.
  • There is no cost to apply, applying won't affect your other Medicare benefits, and people with Medicaid, SSI, or a Medicare Savings Program often qualify automatically without a separate application.

A Program That Quietly Helps Millions

Extra Help isn't a plan you buy. It's assistance from Medicare and Social Security that works alongside your existing Part D or Medicare Advantage drug coverage. And for many Glen Cove residents on fixed incomes, it can make a real difference at the pharmacy counter.

Who Qualifies in 2027

Eligibility for Extra Help is based on your income and resources. According to the Social Security Administration and CMS, you generally need to:

As of 2024, the program was expanded so that everyone who qualifies now receives the full Extra Help benefit — the older "partial" tier was eliminated. That means if you're eligible at all, you get the maximum help available.

Income limits are updated annually and are tied to the federal poverty level. Resource limits count things like money in checking, savings, stocks, and bonds — but they do not count your home, one car, personal belongings, or life insurance policies.

Even if you think you might earn slightly too much, it's worth applying. Many people are surprised to find they qualify.

What Extra Help Actually Covers

If you qualify, Extra Help can:

Extra Help also works together with the new 2026 Part D out-of-pocket cap of $2,100, and beneficiaries can still use the Medicare Prescription Payment Plan to spread drug costs across the year in monthly installments if that helps with budgeting.

How Coverage Works Locally

Glen Cove is in Nassau County, where Medicare beneficiaries can choose from a range of stand-alone Part D plans and Medicare Advantage plans that include drug coverage. Extra Help travels with you — it applies no matter which qualifying Part D or MA-PD plan you're enrolled in through Nassau County's available options.

One helpful feature: if you qualify for Extra Help, you get a Special Enrollment Period. That means you can change your Part D or Medicare Advantage drug plan once per quarter during the first three quarters of the year, instead of waiting for the Annual Enrollment Period (Oct. 15 – Dec. 7).

How to Decide If You Should Apply

Ask yourself a few honest questions:

1. Are prescription costs a strain? If you skip doses or delay refills because of cost, apply. 2. Do you have Medicaid, SSI, or a Medicare Savings Program? If yes, you likely qualify automatically — you don't need to apply separately. 3. Are you close to the income limit? Apply anyway. Social Security makes the final determination, and rules about what counts as income and resources can work in your favor.

There is no cost to apply, and applying does not affect your other Medicare benefits.

How to Apply

You can apply for Extra Help in three ways:

For personalized help understanding your options — including how Extra Help works with specific plans in Nassau County — reach out to New York's SHIP program (HIICAP), which offers free, unbiased counseling to Medicare beneficiaries.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

By the numbers

How people get Medicare in Nassau County

33% are on Medicare Advantage
(MA penetration in Nassau County)
33%
67%
Medicare Advantage Medicare Supplement (Medigap) Original Medicare only
U.S. average

MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.

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Medicare Advantage companies in Nassau County

By local enrollment size · informational, not a ranking
CompanyLocal enrollmentPlans offeredLocal agentsAction
Aetna (CVS Health)National—Yes
Healthfirst IncRegional—Yes
UnitedHealthcareNational—Yes
HumanaNational—Yes
Centene (WellCare)National—Yes
Elevance Health (Anthem)National—Yes
Enrollment data: CMS Medicare Advantage enrollment by company (county level). Figures shown are illustrative sample data pending the current CMS file. Listed by enrollment size, largest first — this is not a ranking, recommendation, or endorsement of any company or plan.

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

Try it

Find your 2026 Medicare premium

Most people pay the standard Part B premium. If your 2024 income was higher, an income-related surcharge (IRMAA) applies. Enter your details to see your bracket.

Standard$202.90Part B / month
Part DPlan premium onlysurcharge added to your plan

Surcharges are added to your premiums and based on your 2024 tax return. Married-filing-separately uses a different schedule. Confirm at Medicare.gov.

Try it

How the 2026 Part D drug cap works

Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.

$3,000
$2,100 cap
$1,211estimated out-of-pocket
$0saved by the cap

Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.

Good to know

Frequently asked questions

Q: If I qualify for Extra Help, do I still need a Part D plan?
Yes. Extra Help reduces what you pay, but you still need to be enrolled in a Medicare drug plan for the benefit to apply.
Q: I was denied Extra Help a few years ago. Should I try again?
Absolutely. Income and resource limits change each year, and the program expanded in 2024 to include more people at the full benefit level.
Q: Does Extra Help cover all my medications?
It lowers your costs on drugs covered by your Part D plan's formulary. If a medication isn't on your plan's list, Extra Help won't cover it — but you can ask your plan about exceptions or switch plans during your Special Enrollment Period.
Sources & further reading
  • CMS — Medicare Part D program rules (medicare.gov)

For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.

Part D drug lists change for 2027 — check your prescriptionsCall