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The Basics about extra help

What Help is Available?

  • Medicare Savings Programs – State programs that assist individuals, who have limited income, with their Medicare costs. The names of these programs may vary by state. The state can help individuals paying for Medicare premiums. In some cases, Medicare Savings Programs also may pay Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance, and copayments if certain conditions are met. For information about this program and to see if you qualify, call the Florida Department of Children and Families at 1-866-76-ACCESS or 1-866-762-2237. Representatives are available 8 a.m. to 5 p.m.; Monday - Friday; TTY users should call 711, or you may apply online at (link opens in new window) .
  • Low-Income Subsidy (LIS) – A program to help individuals pay for Medicare prescription drug costs. Medicare beneficiaries receiving LIS may qualify for assistance in paying for their Part D monthly premium, annual deductible, coinsurance, and copayments. The amount of subsidy depends on the individual's income compared to the Federal Poverty Level and resource limitations set by the Social Security Act. This program is also known as Extra Help. For more information about LIS/Extra Help, contact your local Social Security office at 1-800-772-1213 from 8 a.m. to 7 p.m.; Monday - Friday. TTY users should call 1-800-325-0778. Or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.
  • Programs of All-Inclusive Care for the Elderly (PACE) – A combination of medical, social, and long-term care services available only in states that choose to offer it under Medicaid. Eligibility requirements vary from state to state. For Florida, contact the Department of Elder Affairs (link opens in new window) .
  • Supplemental Security Income (SSI) Benefits – Help for people who are disabled, blind, or over age 65 and have limited financial resources. SSI is NOT the same as Social Security benefits. For more information, call the Social Security office at 1-800-772-1213 from 8 a.m. to 7 p.m.; Monday - Friday. TTY users should call 1-800-325-0778. You also can use the Benefits Eligibility Screening Tool (BEST) on the Social Security website (link opens in new window)  to find out if you are eligible.

Extra Help / LIS Premium Summary

The below documents include information about plan premiums, if any, once someone enrolls in CarePlus and qualifies to get the Extra Help/Low-Income Subsidy (LIS).

LIS Premium Charts

PDF2023 LIS Premium Chart — English (link opens in new window) 

PDF2023 LIS Premium Chart — Spanish (link opens in new window) 

Low-Income Subsidy (LIS) Rider

Some CarePlus members who qualify for “Extra Help”, a program that helps individuals pay for their prescription drug costs, will receive a Low-Income Subsidy (LIS) Rider notification from CarePlus informing them how much help they will get with paying their monthly drug plan premium, deductible, and prescription drug copayments. The monthly plan premium does not include any Medicare Part B premium that a member still may need to pay. Also, receiving Extra Help will not negatively affect your health plan coverage and benefits. If you do not get a LIS Rider and you think you should have received one, contact Member Services.

When should a member receive the LIS Rider?

A member with LIS will receive the LIS Rider notification upon enrollment and each September thereafter informing them of changes occurring for the upcoming year. You will only receive an LIS rider if any of your cost-shares are lower than the member cost-shares printed in your plan’s Evidence of Coverage. CarePlus may send LIS Rider updates throughout the year, if changes occur to the member's LIS Level.

Who sends the LIS Rider?

CarePlus will send the LIS Rider notification to the member, if the member qualifies for “Extra Help” and a rider is necessary.

What should a member do if they get this notice?

Keep the LIS Rider notification with your important papers, so you can refer to it if you have questions about your costs. Medicare or the Social Security Administration will periodically review a member's eligibility to make sure the member still qualifies for “Extra Help” with Medicare prescription drug plan (PDP) costs. Eligibility for “Extra Help” might change if there is a change in the member's income or resources, if a member gets married or divorced, or if the member becomes ineligible for Medicaid benefits. The member will be notified if her or his status changes.

If you have any questions about your LIS Rider notification, please call Member Services at 1-800-794-5907 (TTY: 711). From October 1 - March 31, we are open 7 days a week, 8 a.m. to 8 p.m. From April 1 - September 30, we are open Monday - Friday, 8 a.m. to 8 p.m. You may always leave a voicemail after hours, Saturdays, Sundays, and holidays and we will return your call within one business day.

You must continue to pay your Medicare Part B premium. The Part B premium may be covered through your state Medicaid program.

Benefits, premiums, and/or member cost-share may change on January 1 of each year.