Medicare Advantage
Part C
Plans from private companies that combine hospital and medical coverage; many include prescription drugs and extra benefits.
Find your plan →
Se habla español · Free consultations
Medicare
Medicare explained clearly, in your language, with no pressure
We help you compare Medicare Advantage, Medicare Supplements, Part D and ancillary plans so you can choose what best fits your doctors, medications and budget.
What we do
Coverage for every stage of life
We explain every option in plain language and compare the plans available in your area.
Medicare Supplements
Medigap
Help pay costs Original Medicare doesn't cover, such as deductibles and coinsurance.
Compare supplements →Prescription drugs
Part D
We review your medication list to find a plan that covers them at a good price.
Check your medications →Medicare and Medicaid
D-SNP · Dual eligible
Special options for people who qualify for both Medicare and Medicaid.
See the benefits →Ancillary plans
Extra protection for costs your main plan doesn't fully cover.
Hospital indemnity
Plans that pay you a cash benefit when you're admitted to the hospital, to help with copays and other costs.
Minimize your costs →Dental and vision
Coverage for cleanings, fillings, dentures, eye exams, glasses and more.
Explore dental insurance →Cancer, heart attack and accidents
Policies that pay you cash if you are diagnosed with cancer, have a heart attack or stroke, or are in an accident, to help with costs your plan doesn’t cover.
Help with prescriptions
Social Security Extra Help: help paying for your medications
Extra Help is a federal program, run by Social Security, that helps people with limited income and resources pay Part D costs: the premium, the deductible and prescription copays.
Who qualifies? (2026 limits)
Yearly income
Individual
$23,940
Couple
$32,460
Resources (savings and assets)
Individual
$18,090
Couple
$36,100
Your home and car don’t count as resources, and some income isn’t counted either. If you’re a little over, it’s worth applying.
How much do you save?
- $0 premium in many basic Part D plans.
- $0 deductible.
- 2026: no more than $5.10 per generic drug and $12.65 per brand-name drug.
- 2027: no more than $5.80 per generic and $14.40 per brand-name drug.
You qualify automatically if…
- You have full Medicaid.
- You get a Medicare Savings Program (QMB, SLMB or QI).
- You get SSI (Supplemental Security Income).
In those cases you don’t need to apply: Medicare enrolls you and sends you a letter.
How to apply
- Online on the Social Security website.
- By phone at 1-800-772-1213 (TTY 1-800-325-0778), Monday to Friday, 8 a.m. to 7 p.m.
- Or with us: we help you at no cost, in English or Spanish.
Source: Medicare.gov and SSA.gov (2026 limits; 2026 and 2027 copays). Social Security makes the final decision.
Medicare and Medicaid · Dual eligible
If you have Medicare and Medicaid, you may get more benefits
Many people qualify for both programs and don't know it. When you have both, Medicaid helps with costs Medicare doesn't cover and you can choose plans designed for you.
Benefits of having both programs
1
Lower out-of-pocket costs
Depending on your Medicaid level, the state may pay your Part B premium and, in many cases, your Medicare deductibles, coinsurance and copays.
2
Automatic help with prescriptions
If you have Medicaid, you automatically qualify for Extra Help. In 2026 you pay no more than $12.65 per prescription.
3
D-SNP plans made for you
Dual Eligible Special Needs Plans (D-SNPs) coordinate your Medicare and Medicaid benefits. Many include extras like dental, vision, hearing, transportation or an allowance for over-the-counter items. Benefits vary by plan.
4
Long-term care
Medicaid may cover services Medicare doesn't, such as care at home or in a nursing home, if you meet the requirements.
5
More chances to change plans
People with Medicare and Medicaid have special periods during the year to change coverage, not just during annual enrollment.
6
One team to guide you
We help you make sure your doctors and medications are covered and explain how your two programs work together.
Don't have Medicaid but have a low income?
Medicare Savings Programs (MSPs) are part of Medicaid and help pay your Medicare costs. These are the 2026 federal limits:
| Program | What it pays | Monthly income (individual / couple) | Resources (individual / couple) |
|---|---|---|---|
| QMB | Part A and B premiums, deductibles, coinsurance and copays | $1,350 / $1,824 | $9,950 / $14,910 |
| SLMB | Part B premium | $1,616 / $2,184 | $9,950 / $14,910 |
| QI | Part B premium | $1,816 / $2,455 | $9,950 / $14,910 |
Source: Medicare.gov. The state makes the final decision, and some income or assets aren't counted, so you may qualify even if you're slightly above. Medicare.gov
Each state handles Medicaid and the Medicare Savings Programs a little differently. Choose your state to see the program name, where to apply, who to call and its limits.
Arkansas
Medicaid program
Arkansas Medicaid (ARHOME for adults 19 to 64)
State agency: Arkansas Department of Human Services (DHS)
How to apply
- ACCESS Arkansas help line (option 1): 1-855-372-1084
- Member services: 1-800-482-8988
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
SHIIP: 1-800-224-6330
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Colorado
Medicaid program
Health First Colorado
State agency: Colorado Department of Health Care Policy & Financing (HCPF)
How to apply
- Member Contact Center: 1-800-221-3943
You can also apply at your county Department of Human Services office.
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
Colorado SHIP: 1-888-696-7213
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Florida
Medicaid program
Florida Medicaid
State agency: Department of Children and Families (DCF) — ACCESS Florida
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
SHINE: 1-800-963-5337
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Kansas
Medicaid program
KanCare
State agency: Kansas Department of Health and Environment (KDHE)
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
SHICK: 1-800-860-5260
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Michigan
Medicaid program
Michigan Medicaid (Healthy Michigan Plan for adults 19 to 64)
State agency: Michigan Department of Health and Human Services (MDHHS)
How to apply
- Apply by phone: 1-855-276-4627
- Beneficiary Help Line: 1-800-642-3195
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
MMAP: 1-800-803-7174
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Mississippi
Medicaid program
Mississippi Medicaid
State agency: Mississippi Division of Medicaid
How to apply
- Office of Eligibility: 1-800-421-2408
Mississippi uses slightly higher income limits and has no resource (asset) limit.
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,380 | $1,854 |
| SLMB | $1,646 | $2,214 |
| QI | $1,846 | $2,485 |
Resource limit (individual / couple): No resource limit
Free Medicare counseling (SHIP)
Mississippi SHIP: 1-844-822-4622
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
North Carolina
Medicaid program
NC Medicaid
State agency: North Carolina Department of Health and Human Services (NCDHHS)
How to apply
- NC Medicaid Contact Center: 1-888-245-0179
In North Carolina the programs are called MQB-Q (QMB), MQB-B (SLMB) and MQB-E (QI). You can also apply at your local DSS office.
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
SHIIP: 1-855-408-1212
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
New Mexico
Medicaid program
Turquoise Care (New Mexico Medicaid)
State agency: New Mexico Health Care Authority (HCA)
How to apply
- Customer Service Center: 1-800-283-4465
New Mexico has no resource (asset) limit for these programs.
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): No resource limit
Free Medicare counseling (SHIP)
ADRC / SHIP: 1-800-432-2080
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Oklahoma
Medicaid program
SoonerCare
State agency: Oklahoma Health Care Authority (OHCA) and Oklahoma Human Services (OHS)
How to apply
- Oklahoma Human Services: 1-405-522-5050
- SoonerCare Helpline: 1-800-987-7767
If you are 65 or older or have Medicare, you apply with Oklahoma Human Services (online or at your county office).
Medicaid for adults 19 to 64
Yes. This state expanded Medicaid: low-income adults 19 to 64 may qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
Medicare Assistance Program (MAP): 1-800-763-2828
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
South Carolina
Medicaid program
Healthy Connections Medicaid
State agency: South Carolina Department of Health and Human Services (SCDHHS)
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
I-CARE: 1-800-868-9095
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Tennessee
Medicaid program
TennCare
State agency: Division of TennCare
How to apply
- TennCare Connect: 1-855-259-0701
- Help with QMB and SLMB: 1-877-801-0044
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
TN SHIP: 1-877-801-0044
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Texas
Medicaid program
Texas Medicaid (STAR+PLUS for people with Medicare and Medicaid)
State agency: Texas Health and Human Services Commission (HHSC)
How to apply
- Texas HHS (option 2): 2-1-1
We can help you with your application on YourTexasBenefits.com at no cost.
Medicaid for adults 19 to 64
No. This state has not expanded Medicaid; coverage for adults without a disability is limited. If you are 65+ or have Medicare, you may still qualify.
Medicare Savings Programs (2026 monthly income)
| Program | Individual | Couple |
|---|---|---|
| QMB | $1,350 | $1,824 |
| SLMB | $1,616 | $2,184 |
| QI | $1,816 | $2,455 |
Resource limit (individual / couple): $9,950 / $14,910
Free Medicare counseling (SHIP)
HICAP: 1-800-252-9240
Extra Help (help with prescriptions): apply with Social Security at ssa.gov/extrahelp or 1-800-772-1213.
Information reviewed in October 2026 using Medicare.gov (2026 federal limits), each state’s Medicaid agency, NCOA and KFF. Limits include the standard income disregard; some income and assets are not counted. Each state makes the final eligibility decision.
How to apply for Medicaid in Texas
- 1Apply online at YourTexasBenefits.com or call: Texas HHS (option 2) 2-1-1
- 2Have your Medicare card, proof of income and bank statements ready.
- 3When you get your approval letter, call us to see if a D-SNP plan is right for you.
We help you with your application
At no cost, we sit down with you and complete your application with Texas Health and Human Services Commission (HHSC) together: we fill out the forms, review your documents and explain every step, in English or Spanish.
Share this information
Download our flyer with the 2026 limits for yourself or a family member who may qualify (flyer in Spanish).
Download flyer (PDF)Want to know if you qualify?
We'll review your situation at no cost and with no obligation, in English or Spanish.