What is the Medicare Savings Program?
The Medicare Savings Program (MSP) is a set of state-run assistance programs that help people with limited income and resources pay for their Medicare costs. In Florida, the program is administered by the Department of Children and Families (DCF).
Depending on which program you qualify for, the state can pay your Part B premium ($185/month in 2026), your Part A and Part B deductibles, and even your copays and coinsurance. There are four programs — QMB, SLMB, QI, and QDWI — each with different income limits and benefits.
Income limits for MSP are higher than most people expect — and the asset rules are more flexible than they used to be. Even if you have a home, a car, or some savings, you may still qualify. It takes about 15 minutes to check with us at no cost.
What about Extra Help for Part D?
Separate from MSP, the federal Extra Help program (also called Low Income Subsidy or LIS) helps pay for Medicare Part D prescription drug costs. If you qualify for QMB, SLMB, or QI, you automatically qualify for Extra Help — you don't need to apply separately.
Extra Help can save you up to $5,300 per year on prescription drug costs by reducing or eliminating your Part D premium, deductible, and copays.
An estimated 1 in 3 people who qualify for Extra Help are not enrolled. If you think your income might be too high — check anyway. The thresholds are updated every year and are often higher than people assume. Call us and we'll check your eligibility in minutes.