Do you qualify for the LIS program? I am on it and it has been such a blessing. But, I am on both Medicare and Medicaid and receive SSI. For me, it was an automatic thing but others need to apply. Even if you are over the income level, it may be worth a try. There is also a website called Benefits Check Up. http://www.benefitscheckup.org/ Again, give it try and see what happens.

"Who can get Extra Help?

Anyone who has Medicare can get Medicare Part D prescription drug coverage. Some people with limited resources and income are eligible for Extra Help to pay for the costs—monthly premiums, annual deductibles, and prescription co–payments—related to a Medicare prescription drug plan. To qualify for Extra Help:

* You must reside in one of the 50 states or the District of Columbia.
* Your resources must be limited to $12,510 for an individual or $25,010 for a married couple living together. Resources include such things as bank accounts, stocks, and bonds. We do not count your house and car as resources; and
* Your annual income must be limited to $16,245 for an individual or $21,855 for a married couple living together. Even if your annual income is higher, you still may be able to get some help. Some examples where your income may be higher are if you or your spouse:
o Support other family members who live with you;
o Have earnings from work; or
o Live in Alaska or Hawaii."

http://www.ssa.gov/pubs/10525.html