What should Alice's agent remind her regarding co-payments for Medicare covered services as a QMB or Full Dual-Eligible?

As a Qualified Medicare Beneficiary (QMB) or a Full Dual-Eligible individual, Alice is not required to pay co-payments for Medicare-covered services. This program is designed to assist those with limited income and resources, providing significant financial relief. Specifically, the QMB program ensures that eligible individuals have their Medicare premiums, deductibles, coinsurance, and co-payments covered.

This means that when Alice receives medical services that fall under Medicare coverage, her financial responsibility for co-payments is eliminated. The goal of this provision is to reduce the cost burden on those who are in financial need, thereby encouraging them to seek necessary medical care without the worry of out-of-pocket expenses.

In contrast, other options present inaccurate information regarding her responsibilities. For instance, stating that she must pay co-payments for all services contradicts the benefits provided under the QMB program, which protects her from these costs. Additionally, while providers may bill Medicare directly for costs, this is not a reminder Alice's agent needs to highlight specifically regarding co-payments, as it pertains more to the billing process than her responsibilities. Lastly, Alice's financial obligations concerning premiums would not apply in this context, as her status as a QMB means that her premiums may also be