What does the Qualified Medicare Beneficiary (QMB) program cover?

The Qualified Medicare Beneficiary (QMB) program is designed to assist individuals who have limited income and resources by covering a range of costs associated with Medicare. Specifically, this program covers Medicare Part A and Part B premiums, deductibles, and co-payments, making it a crucial resource for those who may struggle to afford these expenses.

By covering the premiums, the QMB program ensures that beneficiaries do not have to pay the monthly amounts required for Medicare Part A (hospital insurance) and Part B (medical insurance). Additionally, the coverage of deductibles and co-payments means that beneficiaries can receive necessary medical care without facing significant out-of-pocket costs, which is especially important for individuals with limited financial means.

This comprehensive financial support allows beneficiaries under the QMB program to access the full range of services that Medicare covers, helping them maintain their health and well-being without the burden of excessive medical expenses.

In contrast, the other options listed provide limited or incomplete coverage compared to what the QMB program actually offers. For example, some responses only focus on one specific type of cost, such as premiums or co-pays, which does not encompass the full support the QMB program provides. Thus, the correct answer reflects the extensive nature of coverage that the