谁能申请

• MSP：单人月收入约 $2,474、两人 $3,355 以下（2026 年），纽约没有资产限制
• EPIC：65 岁以上并有 Part D 药物计划；单身年收入 $75,000、夫妇 $100,000 以下
• Extra Help：单人月收入约 $2,015、夫妇约 $2,725 以下，资产单人 $18,090、夫妇 $36,100 以下

怎么申请（一步一步来）

1. 第1步MSP（Medicare 储蓄计划）——拿表：用纽约州表格 DOH-4328（有中文填表说明）。纽约市的人可以打 HRA 热线 888-692-6116 要表，或到 HRA 医疗保险办公室拿，如华埠办公室：115 Chrystie Street 5 楼。
2. 第2步MSP——附上复印件：红蓝卡正反面、出生日期证明（如护照、绿卡）、住址证明（6 个月内的租约、水电账单或有邮戳的信封，不能是邮政信箱）、收入证明（如社安金或退休金的通知信）、非公民的移民文件。夫妻一起申请的，配偶也要。纽约 MSP 不查资产，不用交银行证明。
3. 第3步MSP——交表：纽约市寄给或送到 HRA；纽约市以外交给县社会服务局（DSS）。寄出前把整份申请复印一份留着。
4. 第4步Extra Help（处方药补助）——先看是否自动有：已经有全额白卡、MSP 或 SSI 的人，会自动得到 Extra Help，不用另外申请。
5. 第5步Extra Help——申请：上社安局网站 ssa.gov/extrahelp 网上申请；或打社安局 1-800-772-1213（周一至周五早 8 点到晚 7 点），要求预约申请 Extra Help。打电话时听到英文录音不要出声，等真人接听，再说 “Chinese, Mandarin please”，社安局会免费找翻译。
6. 第6步Extra Help——准备：你和配偶的银行月结单、报税表、退休金、IRA/401(k) 结余、年金等资料。
7. 第7步EPIC（纽约州老人药费补助）——拿表：打 EPIC 热线 1-800-332-3742（周一至周五早 8 点到下午 5 点）要申请表，有简体中文表格；也可以在 EPIC 网站上网上申请。全年都可以申请。
8. 第8步EPIC——填表寄回：按表上的地址寄回或传真。不用附任何文件，EPIC 会自己向社安局和纽约州税务局核对你的收入。记住：要有或能参加 Medicare Part D 药物计划才能用 EPIC。
9. 第9步不会填表就找免费顾问：打纽约州 HIICAP 热线 1-800-701-0501，说出你住的区，会转给当地的免费 Medicare 顾问。

申请之后会怎样

• MSP：交表后 45 天内会收到决定通知（Notice of Action），告诉你批不批。批准后每年要续一次；如果没收到续期信，要主动联系 HRA 或县社会服务局。
• MSP 被拒绝：从决定起 60 天内可以申请公平听证（fair hearing），打通知上写的电话，或打州政府听证热线 1-800-342-3334。
• Extra Help：会寄信告诉你结果和要付多少。如果你还没有药物计划，Medicare 会自动帮你加入一个 Part D 计划，你也可以自己换别的计划；有 Extra Help 的人可能每月都可以换一次。社安局还会把你的资料转给纽约州，帮你开始申请 MSP（除非你在表上选不要）。
• Extra Help 的有效期：批准后当年一直有效，就算收入变了也一样；第二年继续有，除非收到信说有变化。问自己是哪一级补助，可以打 1-800-MEDICARE（1-800-633-4227）。
• EPIC：如果不同意 EPIC 的决定（包括被拒），可以写信给 EPIC 或打热线，要求重新考虑（reconsideration），会收到书面答复。

电话与网址

• EPIC 热线电话 1-800-332-3742
• HRA 医疗保险热线电话 888-692-6116
• 社安局电话 1-800-772-1213www.ssa.gov/medicare/part-d/extra-help

Who can apply

• MSP: monthly income up to about $2,474 (1) or $3,355 (2) in 2026; New York has no asset test
• EPIC: 65+ with a Part D plan; income up to $75,000 single or $100,000 married
• Extra Help: income up to about $2,015 (single) or $2,725 (couple) a month; assets up to $18,090 or $36,100

How to apply, step by step

1. Step 1MSP (Medicare Savings Program) – get the form: use New York form DOH-4328 (Chinese instructions are available). In NYC, call the HRA Helpline at 888-692-6116 for a form, or pick one up at an HRA Medicaid Office, such as the Chinatown office at 115 Chrystie Street, 5th Floor.
2. Step 2MSP – attach copies: front and back of your Medicare card, proof of birth date (such as a passport or green card), proof of address (lease, utility bill or postmarked envelope from the last 6 months, not a P.O. Box), proof of income (such as a Social Security or pension letter), and immigration papers if you're not a citizen. If your spouse applies too, include theirs. New York's MSP has no asset test, so no bank statements are needed.
3. Step 3MSP – hand it in: in NYC, mail or bring it to HRA; outside NYC, to your county Department of Social Services (DSS). Make a copy of the whole application before you send it.
4. Step 4Extra Help (drug cost help) – check if you already have it: people with full Medicaid, MSP or SSI get Extra Help automatically and don't need to apply.
5. Step 5Extra Help – apply: apply online at ssa.gov/extrahelp, or call Social Security at 1-800-772-1213 (Mon–Fri 8am–7pm) and ask for an appointment to apply for Extra Help. When you call, stay silent during the English recording until a person answers, then say "Chinese, Mandarin please"; Social Security will get a free interpreter.
6. Step 6Extra Help – have ready: bank statements, tax returns, and pension, IRA/401(k) and annuity statements for you and your spouse.
7. Step 7EPIC (New York's senior drug program) – get the form: call the EPIC Helpline at 1-800-332-3742 (Mon–Fri 8am–5pm) for an application; a Simplified Chinese form is available. You can also apply online from the EPIC website. You can apply any time of year.
8. Step 8EPIC – fill it out and send it: mail or fax it to the address on the form. No documents are needed; EPIC checks your income with Social Security and the NYS Department of Taxation. Remember: you must have, or be able to join, a Medicare Part D drug plan to use EPIC.
9. Step 9Need help with forms? Get a free counselor: call New York's HIICAP line at 1-800-701-0501, say which county or borough you live in, and you'll be connected to a free local Medicare counselor.

After you apply

• MSP: within 45 days of applying you'll get a decision letter (Notice of Action). Once approved, you must renew every year; if no renewal letter comes, contact HRA or your county DSS yourself.
• If MSP is denied: you can ask for a fair hearing within 60 days of the decision, using the phone number on your notice or the state hearing line at 1-800-342-3334.
• Extra Help: you'll get a letter with your result and what you'll pay. If you don't have a drug plan, Medicare enrolls you in one automatically, and you can switch to a different plan; with Extra Help you may be able to change plans once a month. Social Security also sends your information to New York to start an MSP application, unless you opt out on the form.
• How long Extra Help lasts: once approved, it lasts the rest of the year even if your income changes, and continues next year unless you get a letter saying otherwise. To ask which level you have, call 1-800-MEDICARE (1-800-633-4227).
• EPIC: if you disagree with an EPIC decision (including a denial), write to EPIC or call the Helpline to ask for a reconsideration; you'll get a written answer.

Phone & websites

• EPIC helplinePhone 1-800-332-3742
• HRA helplinePhone 888-692-6116
• Social SecurityPhone 1-800-772-1213www.ssa.gov/medicare/part-d/extra-help