"It was the best of times, it was the worst of times.” This is the line Charles Dickens used to open his novel A Tale of Two Cities. It could just as easily be used to describe the situation for people who benefit from the marvels of modern medicine, yet find it difficult to afford the high costs of those prescription drugs.

This Mother’s Day is the best of times to help your mom save an average of $3,900 a year on her prescription drug costs. Here’s how.

If your mother is covered by Medicare and has limited income and resources, she may be eligible for extra help — available through Social Security— to pay part of her monthly premiums, annual deductibles and prescription co-payments. The extra help is worth an average of $3,900 per year.
To figure out whether your mother is eligible, Social Security needs to know her income and the value of her savings, investments and real estate (other than the home she lives in). To qualify for the extra help, she must be receiving Medicare and also have:

• Income limited to $16,245 for an individual or $21, 855 for a married couple living together. Even if her annual income is higher, she still may be able to get some help with monthly premiums, annual deductibles and prescription co-payments. Some examples where income may be higher include if she or her husband:

• Resources 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 her house or car as resources.