Medicare Savings Program
Do I Qualify for a Medicare Savings Program?
Use this list to see if you may qualify for help paying Medicare costs.
Final eligibility is determined by the State of Florida.
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Basic Requirements — Check All That Apply
• I am enrolled in Medicare Part A and/or Part B
• I live in Florida
• I am 65 or older or receive Medicare due to disability
• I pay (or have deducted) a Medicare Part B premium
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Program Descriptions & Income / Asset Guidelines
(Limits change each year)
Limits are based on gross monthly income and countable assets and are set by the State of Florida and federal guidelines. Income and asset limits change each year.
If you qualify for a Medicare Savings Program, you generally also qualify for Extra Help (LIS) for prescription drugs.
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Where to See Current Medicare Savings Program Limits (Florida)
• Go to: https://myaccess.myflfamilies.com
• Scroll to program information for Medicaid and Medicare Savings Programs
• For official limit charts, visit:
• To confirm limits by phone, call Florida DCF:
📞 1-866-762-2237 and ask for Medicare Savings Program income and asset limits
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What These Programs Mean
• QMB – Qualified Medicare Beneficiary
• SLMB – Specified Low-Income Medicare Beneficiary
• QI-1 – Qualified Individual
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You May Still Qualify If…
• I was told I “make too much for Medicaid”
• I live on Social Security or a fixed income
• I am a Veteran using Medicare
• I have limited savings
• I have not applied before or was denied in the past
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What This Help Can Cover
If approved, a Medicare Savings Program may help pay:
• Medicare Part B premium
• Medicare Part A premium (if owed)
• Deductibles and copays (QMB only)
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Countable Asset Limits
Asset limits are set by the state and may change each year. Certain assets, such as a primary home and one vehicle, are typically excluded.
(These limits are approximate and adjusted periodically.)
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What Counts as an Asset?
• Checking accounts
• Savings accounts
• Cash
• Stocks, bonds, or CDs
• Real estate that is not your primary residence
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What Does NOT Count?
The following items typically do not count toward your asset limit:
• Primary Home – The home you live in (up to certain equity limits)
• One Vehicle – One car used for transportation
• Personal Belongings – Furniture, clothing, jewelry
• Burial Plots / Burial Funds – Irrevocable burial contracts and certain burial funds (up to $2,500)
• Life Insurance – Policies with a total face value of $2,500 or less
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Important Clarification
• Having money in the bank does not automatically disqualify you
• Many people with savings still qualify
• The state reviews both income and assets
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Why People Get Told “No” Incorrectly
Many applicants are denied because:
• Assets were not explained properly
• Excluded assets were counted incorrectly
• They assumed they were over the limit and never applied
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Connection to D-SNP Eligibility
If you qualify for a Medicare Savings Program, you may also qualify for a D-SNP plan, even if you do not have full Medicaid.
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Documents You Will Need
• Medicare card (if available)
• Proof of income (Social Security award letter, pension, pay stubs)
• Recent bank statements
• Photo ID
• Proof of residency
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How to Enroll — Step-by-Step (Florida)
Step 1: Go to the Medicare Savings Program
🌐 Website: https://myaccess.myflfamilies.com
• Create an account by clicking “Create New Account”
• Log in and select “Apply for Benefits”
• Complete the Medical Assistance section
• Indicate you are seeking help with Medicare costs
• Upload documents (Social Security letter, bank statements, ID)
• A DCF caseworker will review your application
• If approved, you will receive a notice by mail
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Step 2: What to Do on the Website
• Go to the MyACCESS login page
• Select Create New Account or log in
• Choose Start a New Application for Medical Assistance
• Select Medicare Buy-In / MSP (or indicate help with Medicare costs)
• Submit income and asset details through the secure portal
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Step 3: Get Help by Phone
📞 Florida DCF — Medicare Savings Program
• Local: 1-850-300-4323
• Toll-Free: 1-866-762-2237
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Important Information & Disclosure
Anthony’s Healthcare provides health insurance education and guidance only. We are not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Social Security Administration, or any state Medicaid agency.
Medicare Savings Programs (QMB, SLMB, QI-1), Medicaid, Low Income Subsidy (Extra Help), and Dual Eligible Special Needs Plans (D-SNP) are administered by Medicare, Social Security, or the appropriate state or federal agency. Eligibility, income limits, asset rules, benefits, and program availability vary by state, plan, and individual circumstances and are determined solely by the appropriate agency.
Information provided on this website is for educational purposes only and does not guarantee eligibility, coverage, benefits, cost amounts, or enrollment. Program rules, income and asset limits, and eligibility requirements are subject to change.