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.

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

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.

The Main Medicare Savings Program (MSP) Levels

QMB — Qualified Medicare Beneficiary

Highest level of assistance

Helps pay the Medicare Part B premium
Limits what providers may bill you for covered services
Includes strong cost protections

SLMB — Specified Low-Income Medicare Beneficiary

Helps pay the Part B premium only
Provides less cost protection than QMB

QI — Qualified Individual

Helps pay the Part B premium
Program has limited funding and may be approved on a first-come, first-served basis

QDWI — Qualified Disabled & Working Individual

Helps pay the Part A premium for certain working people with disabilities who lost premium-free Part A after returning to work

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

To confirm limits by phone, call Florida DCF:

1-866-762-2237 and ask for Medicare Savings Program income and asset limits

Estimated Income Guidelines (Educational Only)

Income limits shown are federal baseline estimates provided for educational purposes.
Final eligibility and approval are determined by the state Medicaid agency and may vary based on state rules and individual circumstances.

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

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.)

What Counts as an Asset?

• Checking accounts
• Savings accounts
• Cash
• Stocks, bonds, or CDs
• Real estate that is not your primary residence

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 certain limits.
• Life Insurance – Whole life policies with a total face value of $2,500 or less (term life has no cash value and is fully exempt)

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

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

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.

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

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

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

Step 3: Get Help by Phone

Florida DCF — Medicare Savings Program
• Toll-Free: 1-866-762-2237

Important Information & Disclosure

Anthony's Healthcare provides Medicare education and guidance only. We are not affiliated with or endorsed by the U.S. government, the federal Medicare program, the U.S. Department of Veterans Affairs (VA), or any state Medicaid agency, or any insurance carrier.

Medicare consists of multiple parts (Part A, Part B, Part C, and Part D), each with its own rules, costs, and coverage limitations. Medicare Advantage (Part C), Prescription Drug Plans (Part D), Medicare Supplement (Medigap) policies, and Special Needs Plans (D-SNP, C-SNP) are offered by private insurance companies that are approved and regulated by Medicare.

Coverage, premiums, deductibles, copayments, coinsurance, provider networks, formularies, service areas, and extra benefits may vary by plan, carrier, county, and contract year and are subject to change. Extra benefits such as dental, vision, hearing, fitness programs, transportation, over-the-counter allowances, food or grocery benefits, meals, and in-home services are not guaranteed and may have limitations or eligibility requirements.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Medicare Savings Programs (QMB, SLMB, QI, QDWI), Medicaid, Low Income Subsidy (Extra Help), and Dual Eligible Special Needs Plans (D-SNP) are administered by Medicare, Social Security, or the applicable state agency. Eligibility, income limits, asset rules, and program availability vary by state and individual circumstances and are determined solely by the appropriate agency.

Information provided is for educational purposes only and does not guarantee eligibility, coverage, or enrollment.