Help with costs. Fitness perks. Benefits hiding in plain sight. Start here to find official resources and put your coverage to work.
Schedule a benefits reviewReviewed October 23, 2026 • Health Palm Beach Insurance Advisors
Start with your exact plan name, plan year, county, and member ID card. Links go to outside organizations; their current eligibility and plan rules control. This guide does not promise eligibility, savings, or a particular benefit.
Retired or working less, but still paying a Medicare income surcharge? Read our IRMAA review guide and find the official SSA-44 request links →
Helps eligible people with limited income and resources pay Part D premiums, deductibles, and prescription costs. Some people qualify automatically through full Medicaid, SSI, or a Medicare Savings Program. Others can apply through Social Security.
Apply for Extra Help →These state programs may help pay Medicare premiums and, for some eligible people, other Medicare cost sharing. They are different from a private insurance discount. Ask Florida DCF to screen you for the appropriate program.
Explore Medicare Savings Programs →Medicaid eligibility depends on your circumstances and the program. Having Medicare does not automatically rule it out. Use Florida’s official MyACCESS portal to apply; the state makes eligibility decisions.
Apply through Florida MyACCESS →Compare your insurance price with any eligible Costco member price for the exact prescription. Member-value pricing cannot be combined with an insurance claim, including Medicare. Membership does not guarantee the lowest price or preferred pharmacy status. Ask the pharmacist which option applies.
Review Costco’s pricing rules →Included with certain Medicare Advantage and Medicare Supplement plans. Check eligibility and participating fitness locations before signing up. The program is not included with every Medicare plan.
Check SilverSneakers eligibility →Available with eligible UnitedHealthcare Medicare plans. Confirm your eligibility, participating gyms, and activation steps directly with the program. A gym you used last year may have different participation now.
Explore Renew Active →Spreads out-of-pocket costs for covered Part D drugs across the calendar year. It does not reduce your total drug costs. Compare assistance programs first and ask your drug plan whether spreading payments would help.
Understand prescription payments →Florida’s SHINE program provides free, unbiased Medicare counseling. It is another resource for understanding benefits and assistance programs.
Find SHINE counseling →MAPD means Medicare Advantage with prescription drug coverage. Extra benefits vary by plan, location, eligibility, and year. Check the Evidence of Coverage and call the member-services number on your card before spending or booking services.
Some plans offer an allowance for approved over-the-counter items. Check the current catalog, approved stores or ordering service, balance, and spending deadline. Ask whether unused amounts roll over. Do not assume every item at a participating store is eligible.
These benefits are available only through certain plans and may require additional eligibility verification. Some are special supplemental benefits for chronically ill members; a diagnosis alone may not satisfy every requirement. Confirm eligibility, covered purchases, retailers, and expiration rules with the carrier. An OTC allowance does not automatically include groceries.
Official examples: UnitedHealthcare · Humana · Devoted Food & Home. Select the correct plan year on each website.
Before an appointment, confirm the provider’s participation in your exact plan, what is covered, benefit limits, authorization requirements, and your share of the cost. Ask for a written estimate. “Accepts the insurance company” does not always mean “in network for your plan.”
Ask whether your plan includes any of these services. Check advance-booking rules, trip limits, qualifying events for meals, eligible fitness locations, and reward deadlines. Arrange services through the plan’s approved vendor when required.
Activate the member portal → open this year’s Evidence of Coverage → check balances and deadlines → confirm approved vendors → call member services with unanswered questions.
Download apps through the carrier’s official website. Do not send passwords, Medicare numbers, or financial records through this website.
Use these links to reach member accounts, benefit tools, and official app guidance where offered. Follow the website and phone number printed on your current ID card if they differ.
Member website and app resources →
UCard and allowance information →HealthSpring member resources →
myHealthSpring portal information →The Medicare business formerly owned by The Cigna Group transitioned to the HealthSpring brand beginning January 1, 2026, under Health Care Service Corporation. This refers to that Medicare business—not all Cigna insurance. Use current member materials to find your plan’s resources.
Read HealthSpring’s official announcement →Carrier listings are resource links, not endorsements or a statement that every carrier or plan is offered by our agency. Trademarks belong to their respective owners.
President Lyndon B. Johnson signed Medicare into law on July 30, 1965. Former President Harry Truman received the first Medicare card.
See the Social Security history →Medicare began with Parts A and B. The optional Part D prescription drug benefit did not begin until 2006.
Explore Medicare’s history →If a hypothetical $1,000 annual expense rose by 3%, 5%, or 7% every year for ten years, it would become approximately $1,344, $1,629, or $1,967. These are compound-growth illustrations—not Medicare forecasts. Your premiums, health needs, benefits, laws, and assistance eligibility can change differently.
Review several scenarios and revisit your budget annually. Even official long-range Medicare projections involve uncertainty. Explore the Medicare Trustees reports.
Our Palm Beach County team can help you understand available coverage and the questions to ask about your current benefits.
Schedule a Medicare benefits reviewNo cost for our guidance. No obligation to enroll. Not connected with or endorsed by the U.S. government or the federal Medicare program. Assistance programs make their own eligibility decisions.