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Looking to save more on your Medicare health plan?

Florida Blue is with you all the way. Even though Medicare is usually more affordable than other health insurance options, did you know if you qualify, you may not have  to pay for some parts of Original Medicare (Parts A and B)?

Medicare Savings Programs (MSP) are government programs that help people, who qualify, with lower incomes and limited savings reduce their Medicare costs. Each program is a little bit different, but in general, these programs can help cover Medicare Part B premiums as well as copays and coinsurance for the care you receive if you qualify. Some people may even qualify for extra benefits covered by the state. 

Who is eligible for Medicare Savings Programs (MSP)?

There are two main requirements to qualify for a Medicare Savings Program. 

Your resources

This includes how much money you have in the bank or in retirement accounts, like an IRA. The value of your home and your personal belongings is not included.

Your monthly income

If your income is less than 135% of the Federal Poverty Level, you may qualify. It’s important to note that if you’re working, you could still qualify for one of the Medicare Savings Programs.

Types of Medicare Savings Programs (MSP)

Qualified Medicare Beneficiary Program (QMB)

Specified Low-Income Medicare Beneficiary Program (SLMB)

Qualifying Individual Program (QI)

Qualified Disabled and Working Individuals Program (QDWI)

Extra Help (Low Income Supplement) program to lower your prescription drug costs

Prescription drug (Part D) costs can add up. Depending on your income and resources, you may qualify for Extra Help (also called (Low Income Supplement or LIS). "Extra Help" helps you pay for your prescription drug costs, such as your Part D monthly premium, your deductible, and the costs of your medications.

You may automatically get Extra Help if you: 

  • Qualify for a Medicare Savings Program and get help paying your Part B premium

  • Get Medicare and Medicaid

Some Medicare Advantage (Part C) plans will help pay your Part B premium.

If you are enrolled in Original Medicare (Parts A and B), you may be able to choose a Medicare Advantage (Part C) plan that will help pay part of your Part B premium for you.

You’re only eligible for this benefit if you are:

  • Enrolled in Parts A and B

  • Choose a Medicare Advantage plan that offers the Part B giveback benefit.

  • Pay your own Part B premium. You will not qualify if you get help from the government to pay your Part B premium.

Are you eligible for Medicare and Medicaid?

If you qualify for both Medicare and Medicaid, then you may be eligible to join a special type of Medicare Advantage (Part C) plan called a Dual-Eligible Special Needs Plan (D-SNP). You’ll get extra benefits and save money on your copays and other out-of-pocket costs with this type of plan. 

Medicare Savings Programs

Limited income? You may qualify for help paying your Medicare premiums.

Part B Premiums

Medicare Part B helps pay for care you get at the doctor’s office, home health care, durable medical equipment, and some preventive services.

Need help applying for Medicaid, Extra Help and other Medicare Savings Programs?

We’re with you for every step. Our team of Medicaid specialists are dedicated to helping people verify their Medicaid eligibility and apply for public assistance programs. Eligible individuals can access cost savings programs like Extra Help (also called Low Income Supplement, LIS), Medicare Savings Programs, and more.

Call 1-833-823-5454
(TTY: 1-800-955-8770)


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Last Updated: 10.01.2023