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This page last updated in Release Number: 25-04 Release Date: 12/10/2025 Effective Date: 12/10/2025 32.9 Medicare Beneficiaries No Deductible There is no deductible in MSP (see SECTION 24.2 MEDICAID DEDUCTIBLE INTRODUCTION). If a person's income is above the appropriate income limit, he or she cannot qualify for an MSP. This page last updated in Release Number: 17-03 Release Date: 11/03/2017 Effective Date: 08/05/2017 32.10 Medicare Savings Programs Renewals and Changes MSP certification periods are 12 months. The first required renewal is 12 months from the most recent certification month. 32.10.1 QMB Renewals QMB benefits begin on the first of the month following the renewal due month, if the renewal is confirmed during the renewal month or the month following the renewal month. While a timely QMB renewal is being processed, the benefit is maintained until the redetermination is completed. (See MEH 3.1.1 TIMELY RENEWALS). When a timely renewal is pended, and verification to complete the renewal is also received timely and the member remains eligible for QMB, the new certification period should align with the extended month(s) of eligibility and there should be no gap in coverage. Example 1 Diamond’s Medicaid and QMB are due for renewal in February. She submits a renewal on February 20. Because a timely renewal is initiated, Medicaid and QMB coverage are maintained through March while the renewal is being processed. Verification of assets is requested and received on March 3 to complete her QMB renewal. Her new certification period begins April 1. There is no gap in her QMB eligibility. If timely verification is received and the member is no longer eligible, or if verification is not received, MSP eligibility ends based on the following: • Eligibility redetermined before adverse action, closure is effective the first of the following month. • Eligibility redetermined after adverse action, closure is effective the first of the month after the following month. Example 2 Susan’s Medicaid and QMB are due for renewal in February. She submits a renewal on February 3. Verification of assets is requested with a due date of February 23. Because her renewal is received timely, health care benefits are maintained for March. Verification is received and processed on February 23, and she is no longer eligible for QMB. QMB coverage ends effective April 1. For late QMB renewals that have all needed verification processed in the month following the renewal due month, there should be no gap in coverage. Example 3 Meghan’s Medicaid and QMB are due for renewal in February. She submits a late renewal on March 3. Because her renewal is received late, health care benefits are not maintained. Verification of assets is requested with a due date of March 23. Verification is received on March 19. Her new certification