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Title 8: Medicaid Page 92 Iowa Department of Health and Human Services Employees’ Manual Chapter F: Coverage Groups Non-MAGI-Related Coverage Groups Revised October 10, 2025 People in Medical Institutions 5. Determine client participation according to procedures in 8-I, Client Participation. People in Medicare Savings Programs Several Medicaid coverage groups are designated as ‘Medicare savings programs,” because their purpose is to assist low-income people with the payments of Medicare premiums, coinsurance, and deductibles. These groups include:  Qualified disabled and working people  Qualified Medicare beneficiaries  Specified low-income Medicare beneficiaries  Expanded specified low-income beneficiaries Qualified Disabled and Working People (QDWPs) Legal reference: P. L. 100-239, Section 6012; 441 IAC 75 (Rules in Process) Limited Medicaid benefits are available to people under age 65 who received social security disability (SSD) benefits but whose benefits were discontinued because of excess income from earnings. They may continue to be disabled but no longer meet Social Security’s definition of disability because of “substantial gainful activity.” NOTE: Medicare refers to the QDWP group as a Medicare Savings Program. People applying for QDWP may refer to the coverage group as the Medicare Savings Program. After the person ceases to be disabled because of income above the “substantial gainful activity” level, social security disability benefits continue for a trial work period for nine months. The Social Security Administration then provides Medicare Part A for seven years and nine months without charge for most people. When this period ends, the client may continue to receive Medicare Part A coverage but must pay for the premium. The intent of the QDWP program is to assist with paying the cost of the Medicare Part A premium. Medicaid pays the cost of the hospital premium under Medicare Part A for people eligible under QDWP. This is the only benefit QDWP clients receive.