Nevada Medicare Savings Programs 2026 Guide

Last updated: April 7, 2026

Bottom Line: Nevada does not run a separate state-only Medicare Savings Program. Instead, Nevada uses the standard Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled and Working Individual (QDWI) programs through the state Medicaid system, with eligibility handled by the Division of Social Services (DSS) Medicare Beneficiary program. For many low-income seniors, the most valuable help is QMB, because it can pay Medicare premiums and also stop deductibles, coinsurance, and copays for Medicare-covered care.

Nevada also no longer has the old Senior Rx and Disability Rx program; the state says that program ended on December 31, 2023. That means most real help now comes from Medicare Savings Programs, full Medicaid if you qualify, and the automatic Extra Help drug subsidy that comes with MSP approval.

Emergency help now

  • If you have QMB and got a doctor bill, do not pay it first. Tell the provider you are in QMB, show proof of your status, and call 1-800-MEDICARE if the billing does not stop. Medicare says providers cannot bill QMB members for Medicare-covered cost-sharing, and its QMB tips sheet says you can ask for a refund if you already paid.
  • If you need help applying right away, use the phone route. Nevada says you can complete a full Medicaid application by phone at 1-800-992-0900 ext. 47200, or call 702-486-1646 in Southern Nevada or 775-684-7200 in Northern Nevada; interpreter help is available on the statewide line and TTY is 1-800-326-6888.
  • If you were denied or your case is stuck, ask for a fair hearing in writing within 90 days. Nevada’s Administrative Adjudications Unit handles Medicaid hearings, and free Medicare counseling is available from Nevada MAP at 1-800-307-4444.

Quick help box

What Medicare Savings Programs are and why they matter for seniors in Nevada

Apply through Nevada DSS first. In Nevada, Medicare Savings Programs are not private insurance plans and they are not handled by Social Security alone. They are Medicaid eligibility groups inside Nevada’s Medical Assistance to the Aged, Blind, and Disabled system, and the state’s Medicare Beneficiary page is where Nevada explains QMB, SLMB, QI, and QDWI.

That matters because the way help starts is very practical. A senior in Las Vegas, Reno, Elko, Ely, or Pahrump usually applies through Access Nevada or through the paper MAABD application route. DSS decides eligibility. Nevada Medicaid handles the member side of coverage. The Nevada Medicare Assistance Program gives free counseling, but it does not approve or deny the case.

For older adults on tight budgets, MSPs can be worth hundreds of dollars a month over a year. QMB is the strongest program because it can pay Medicare Part A and Part B premiums and also Medicare-covered deductibles, coinsurance, and copayments. SLMB and QI are narrower, but they can still help by paying the Part B premium. QDWI is mostly for a different group: people under 65 who are disabled, returned to work, and lost premium-free Part A.

Quick facts:

Who qualifies in Nevada

Start with Medicare status. For QMB, SLMB, and QI, you generally must live in Nevada and have Medicare Part A or be eligible for it. For SLMB and QI, Medicare says you must have both Part A and Part B. Nevada’s own program summary puts these groups under the Medicare Beneficiary category.

Then look at income and resources. Nevada publishes individual and couple income lines on its 2026 MAABD income chart. The state also uses a resource test for MSPs. Married seniors should not assume only one spouse counts. Nevada’s MAABD budgeting manual says that when an applicant is married and living with a spouse, spouse-to-spouse resource deeming applies in Medicare Beneficiary cases.

QDWI is different. The Medicare Savings Program page and SSA’s 2026 MSP limits page say QDWI is for people under age 65 who are disabled, returned to work, lost premium-free Part A, are not otherwise eligible for Medicaid, and meet separate income and resource rules.

If you already have Medicaid and Medicare, you may still need the MSP piece correctly coded. That is especially important for QMB billing protection. If you are not sure how your case is coded, ask DSS or Nevada MAP to look at the notices with you.

QMB vs SLMB vs QI vs QDWI explained simply

Use Nevada’s posted chart as your first screen. Nevada’s 2026 MAABD income chart, the state’s Medicare Beneficiary page, and Nevada’s current Appendix A income/resource chart support the comparison below.

Program Nevada 2026 posted monthly income line What it pays How Nevada treats the start date Extra Help?
QMB $0 to $1,330 individual; $0 to $1,804 couple Part A premiums, Part B premiums, deductibles, coinsurance, and copayments for Medicare-covered services Month after the eligibility decision; no prior medical Yes
SLMB $1,330.01 to $1,596 individual; $1,804.01 to $2,164 couple Part B premium only Application month; up to 3 prior months may be available Yes
QI $1,596.01 to $1,796 individual; $2,164.01 to $2,435 couple Part B premium only Application month; up to 3 prior months may be available Yes
QDWI $1,796.01 to $2,660 individual; $2,435.01 to $3,607 couple Part A premium only Nevada’s public summary page does not spell out the exact effective-date rule the way it does for QMB, SLMB, and QI No automatic Extra Help from QDWI alone

Important Nevada note: The income lines above are Nevada’s posted state chart. The Medicare 2026 MSP page and SSA’s 2026 MSP limits page show slightly higher self-screening amounts for QMB, SLMB, and QI because they include the standard $20 general income exclusion. That is why a senior who looks a little over Nevada’s chart may still qualify after budget rules are applied.

Example, not a statewide rule: A Reno senior with $1,345 a month in Social Security may look above Nevada’s posted QMB line of $1,330. But Medicare’s screening page shows $1,350 for a single person in 2026. That senior should still apply instead of guessing no.

Income limits for seniors in Nevada

Check the 2026 Nevada chart first, then do not stop there. Nevada’s current income chart uses the underlying federal poverty percentages for Medicare Beneficiary groups: 100% for QMB, 120% for SLMB, 135% for QI, and 200% for QDWI. Medicare and SSA publish higher public-facing screening figures because they add the standard $20 disregard used in SSI-based budgeting.

In plain language, this means the chart can look stricter than the real screening test many seniors see on Medicare.gov. If your income is close, especially if your only income is Social Security, do not assume you are over. File the application and let Nevada do the budget.

For married couples, Nevada publishes separate couple lines on the same 2026 chart. If you and your spouse live together, use the couple line as your first screen. If you are separated, one spouse is in a facility, or there is unusual income, ask DSS or MAP to review the case before you give up.

Asset limits and what counts toward the limit

Look at resources carefully, especially if you have savings or joint accounts. As of April 7, 2026, Nevada’s public MAABD materials still showed older QMB, SLMB, and QI resource figures of $9,430 for one person and $14,130 for a couple. But Medicare and SSA had already posted 2026 federal screening limits of $9,950 and $14,910 and the same figures appear on SSA’s 2026 MSP policy page. For QDWI, both Nevada’s public materials and SSA show $4,000 for one person and $6,000 for a couple.

What does this mean for Nevada seniors? If your countable resources are between the older Nevada web figures and the newer Medicare or SSA figures, apply anyway and ask DSS to confirm the current limit on your case.

Nevada’s resource manual says resources are assets you own and can use for basic needs. In real life, the most common countable items are checking and savings accounts, certificates of deposit, money markets, and other cash-value property. The same manual warns that joint bank accounts can be treated as available to the named owner unless ownership is disproved with records.

The Social Security explanation of MSP resource rules says the home you live in, usually one car, and certain burial funds or burial plots are not counted. Nevada’s own budgeting manual adds an important married-couple rule: when resource deeming applies, only one automobile and one home may be excluded per couple.

How married seniors are treated in Nevada

If you live with your spouse, expect Nevada to look at both spouses’ countable resources. Nevada’s MAABD budgeting manual says that in Medicare Beneficiary cases, spouse-to-spouse resource deeming applies when the applicant is married and living with the spouse. The value of both spouses’ countable resources, whether held separately or jointly, is counted, and the couple resource limit is used.

That is one reason joint accounts with an adult child or spouse can create trouble. If the money is not really yours, do not just say that on the phone. Be ready to show bank records or other proof. Nevada’s resource manual discusses how ownership of joint accounts may need to be rebutted.

If one spouse moves into a medical facility, the rules can change. Nevada’s budgeting manual says deeming stops the month after institutionalization. If that is your situation, tell DSS right away rather than letting the worker assume you still live together under the regular couple rules.

Best programs and pathways in Nevada

Qualified Medicare Beneficiary (QMB)

Specified Low-Income Medicare Beneficiary (SLMB)

  • What it is: A Nevada Medicare Beneficiary category for people over the QMB line but still low-income.
  • Who can get it or use it: People with Medicare Part A and Part B who fall in the SLMB income band on Nevada’s 2026 chart.
  • How it helps: It pays the Part B premium only.
  • How to apply or use it: Use the same Nevada route as QMB: Access Nevada, phone application, or the paper MAABD form.
  • What to gather or know first: Nevada says SLMB begins with the application month and can allow three months of prior medical coverage, which can matter if you were paying your Part B premium yourself.

Qualifying Individual (QI)

Qualified Disabled and Working Individual (QDWI)

  • What it is: A narrower MSP that pays the Part A premium only.
  • Who can get it or use it: Usually people under age 65 who are disabled, returned to work, lost premium-free Part A, and are not otherwise eligible for Medicaid, as explained by Medicare and SSA.
  • How it helps: It can keep Part A affordable for working people with disabilities.
  • How to apply or use it: Use Nevada’s regular MAABD application route.
  • What to gather or know first: This is not the usual program for retired seniors. It is mostly for people who went back to work after disability.

Access Nevada and the MAABD paper application

  • What it is: Nevada’s main application path for Medicaid and MSP eligibility.
  • Who can get it or use it: Seniors, disabled adults, caregivers, and authorized representatives.
  • How it helps: It lets you apply online, manage benefits, and use Nevada’s screening tool.
  • How to apply or use it: Start with Access Nevada or the Nevada medical application page, which posts the paper MAABD form for aged, blind, or disabled applicants.
  • What to gather or know first: Nevada’s Access Nevada page says users had to create a new account beginning February 3, 2025, so older login information may not work.

Nevada Medicare Assistance Program (MAP)

  • What it is: Nevada’s free State Health Insurance Assistance Program service.
  • Who can get it or use it: Medicare beneficiaries, pre-enrollees, family members, and caregivers.
  • How it helps: MAP gives free, unbiased counseling on MSPs, Extra Help, Medicare plans, billing problems, and applications.
  • How to apply or use it: Call the statewide MAP line at 1-800-307-4444. Northern Nevada help is through Access to Healthcare Network at 775-284-1892. Southern Nevada help is through Dignity Health St. Rose Dominican at 702-616-4926.
  • What to gather or know first: MAP can review notices with you, but it does not make the state eligibility decision.

How to apply for MSP in Nevada without wasting time

Use one route and save copies of everything. Nevada’s medical application page and current state notice on full Medicaid applications say you can apply online, by phone, by paper form, by fax, by email, or in person.

Application route Best for Nevada details
Online People comfortable with computers Use Access Nevada.
Phone No internet, poor mobility, or language help DSS says full Medicaid applications can be completed by phone at 1-800-992-0900 ext. 47200, 702-486-1646 in Southern Nevada, or 775-684-7200 in Northern Nevada; interpreter help is on the statewide line and TTY is 1-800-326-6888.
Paper People who want a caregiver to help or who do not trust portals Get the form from the MAABD application page.
Email, fax, mail, or drop-off People submitting paper proof Nevada says paper applications can be emailed to welfare@dss.nv.gov, faxed to 702-486-8499, mailed to Division of Social Services, P.O. Box 15400, Las Vegas, NV 89114, or dropped off at a local DSS office.
Free counseling first Anyone confused about which MSP to pursue Call Nevada MAP at 1-800-307-4444.
  • File the application as soon as you think you may qualify. Nevada’s MAABD processing manual says the application date is the day the district office receives a form with the applicant’s name, address, and signature. If it comes in after hours through Access Nevada or a drop box, Nevada counts it the next business day.
  • Use the MAABD form if you are 65 or older, blind, or disabled. Nevada’s application page posts a separate paper form for aged, blind, or disabled applicants. That is the right paper path for most seniors applying for MSP.
  • Respond fast to document requests. Nevada’s processing manual says the state usually allows 20 calendar days for the first request for verification and 10 days for additional follow-up requests.
  • Keep your address current. Nevada’s medical application page says it is important to keep your address, phone, and email current so you receive all eligibility notices.

What documents older adults should gather first

  • Medicare card or other proof of Part A and Part B status
  • Photo ID and Social Security number
  • Proof of Nevada address
  • Proof of monthly income, such as Social Security, pension, wages, or retirement distributions
  • Recent bank statements for checking, savings, money markets, and CDs
  • Records of stocks, bonds, burial funds, or other cash-value assets
  • Health insurance information if you also have retiree, employer, or other coverage
  • Any recent medical bills if you may need prior medical review for a program that allows it
  • Proof that a joint account is not really yours if your name is on an account for convenience only

How long approval usually takes

Expect up to 45 days in most senior cases. Nevada’s MAABD application processing manual says the state must process MAABD eligibility within 45 days from the application date. The same manual says the state has 90 days when a person is applying on the basis of disability.

Most older adults applying only because they are over 65 and on Medicare should think in terms of the 45-day clock. But if the worker asks for missing proof, the case can still slow down. The safest move is to submit complete proof the first time and keep a copy of every page.

What happens after approval

Read the notice carefully and check the effective month. In Nevada, the start month is not the same for every MSP. The state’s Medicare Beneficiary page says QMB begins the month after the eligibility decision is made, while SLMB and QI begin with the application month and can allow up to three prior months.

Medicare says anyone approved for an MSP automatically gets Extra Help. If you do not already have a Part D plan, Medicare may enroll you in one so you do not lose drug coverage.

After approval, keep the notice and watch your Medicare costs. If your case is QMB, the most important change is your billing protection. If your case is SLMB or QI, the most important change is usually that the Part B premium is paid for you. If something does not look right, call DSS, MAP, or Medicare and ask what month the state buy-in took effect.

What to do if a doctor bills a QMB enrollee

Do not ignore the bill, but do not assume you owe it. Medicare says on its MSP page and CMS says on its QMB program page that providers cannot bill QMB members for Medicare-covered deductibles, coinsurance, or copayments.

  • Tell the provider you are in QMB. Show your Medicare card and any proof of Medicaid or QMB status. Medicare’s QMB tips sheet says you can also show a Medicare Summary Notice that says you are in QMB.
  • Ask the provider to stop billing and refund any amount already paid. Medicare’s QMB tips sheet says QMB members have the right to a refund for improper charges on Medicare-covered services.
  • If billing continues, call 1-800-MEDICARE. Medicare says it can confirm your QMB status and tell the provider to stop billing you.
  • If the bill is for something Medicare does not cover, the answer may be different. QMB protects you from Medicare-covered Part A and Part B cost-sharing. It does not erase every possible medical bill.

Reality checks for Nevada seniors

  • QMB is not retroactive in Nevada. If your approval comes late, Nevada says QMB starts the month after the decision. That can leave a gap if you waited too long to apply.
  • Nevada’s public charts are not perfectly user-friendly. The income chart and the federal screening chart can differ by $20, and the public resource pages are still showing older QMB, SLMB, and QI figures.
  • Joint accounts are a common problem. If your name is on an adult child’s account, Nevada may count it unless you can prove the funds are not yours.
  • The portal is not the only route. If Access Nevada is not working for you, Nevada still allows phone, paper, fax, email, and in-person options.

Common mistakes to avoid

  • Do not self-deny because your income is a little over Nevada’s posted line.
  • Do not assume QMB will fix older bills from before the effective month.
  • Do not send only some pages of bank statements.
  • Do not forget to report an address change.
  • Do not pay a QMB bill first and argue later.
  • Do not forget that QI must be renewed every year.

Best options by need

  • I need the strongest help with Medicare bills: Try QMB.
  • I mostly need the Part B premium paid: Look at SLMB or QI.
  • I am under 65, disabled, and working again: Ask about QDWI.
  • I cannot use a computer: Apply by phone through DSS or use a paper application.
  • I need someone to walk me through this: Call Nevada MAP at 1-800-307-4444.
  • I live in rural Nevada: Use the phone route first, then your local Northern office list or Southern office list if you need a drop-off location.

What to do if the senior is denied, delayed, or blocked

  • Ask what is missing. Call DSS with the case number and ask: “What proof is missing, what date is it due, and what program was I reviewed for?”
  • Submit missing proof fast and keep confirmation. If you fax or email, keep a sent copy. If you drop papers off, keep a stamped copy if you can.
  • Request a hearing in writing within 90 days. Nevada’s AAU page says Medicaid hearings are handled there, hearings are currently done by phone, and translation services are available when needed.
  • Know the timeline. Nevada says on the same AAU page that a hearing decision is usually made within 90 days of the hearing request.
  • If you miss a hearing, act quickly. Nevada says reschedule requests must be made in writing within 10 days of the missed hearing and must include proof of a valid reason.
  • If you need hearing help, call AAU. The AAU number is 702-486-1910 and the email is aau@dss.nv.gov.
  • Use backup help while you appeal. Nevada MAP can explain notices. For legal help, the state’s Medicaid notice lists Nevada Legal Services at 1-800-323-8666 in Washoe and rural areas, 702-386-0404 or 1-866-432-0404 in Clark County, the Washoe County Senior Law Project at 775-328-2592, and the City of Las Vegas Senior Citizens Law Project at 702-229-6596.

Plan B and backup options

  • Apply for Extra Help even if your MSP is not approved yet. Medicare says you can apply for Extra Help and MSP at the same time, and Social Security can send your information to the state unless you tell it not to.
  • Ask if you may qualify for full Medicaid, not just an MSP. Some Nevada seniors need more than premium help.
  • Use MAP to compare Medicare plan choices. An MSP is not the same as a Medicare Advantage plan or a drug plan.
  • Do not waste time on outdated Nevada Senior Rx articles. Nevada’s Senior Rx page says that program ended in 2023.

Where seniors can get free application help

Start with MAP if you want one-on-one help. Nevada’s Medicare Assistance Program is free and unbiased. The statewide line is 1-800-307-4444. Northern Nevada counseling is through Access to Healthcare Network at 775-284-1892. Southern Nevada counseling is through Dignity Health St. Rose Dominican at 702-616-4926.

For the actual application, DSS is the decision-maker. Nevada’s DSS contact page points people to Access Nevada, the Northern and Southern district office lists, and the paperwork email welfare@dss.nv.gov. For in-person help or document drop-off, use the Northern district office list or Southern district office list.

If you need a statewide resource line, use Nevada 211. The official Nevada 211 page says you can dial 2-1-1, call 1-866-535-5654, or text your ZIP code to 898-211.

Diverse communities and access needs

Seniors with disabilities: Nevada’s current application notice says full Medicaid applications can be completed by phone, interpreter help is available on the statewide line, and TTY is 1-800-326-6888. DSS also posts an ADA contact email at dwssada@dss.nv.gov on its contact page.

Immigrant seniors and seniors with limited English: Immigration rules still matter for Medicaid eligibility, but Nevada’s application notice says language interpreter help is available through the statewide DSS line at 1-800-992-0900 ext. 47200. If reading notices is hard, call MAP and ask for counseling support.

Rural seniors with limited access: Phone application may be easier than long travel. Nevada keeps local offices in places such as Elko, Ely, Fallon, Hawthorne, Pahrump, and Yerington on its Northern and Southern office lists, and Nevada 211 can help you find nearby support.

Frequently asked questions

Are Nevada’s 2026 MSP income limits really lower than Medicare.gov?

They can look lower, yes. Nevada’s 2026 income chart posts the plain poverty-line bands, while Medicare.gov and SSA show slightly higher public screening figures for QMB, SLMB, and QI because they add the standard $20 income exclusion. If you are near the line, the safe answer is to apply and let Nevada budget the case.

What is the asset limit for MSP in Nevada right now?

That is the hardest part of Nevada’s public information as of April 7, 2026. Nevada’s current public MAABD materials still show older QMB, SLMB, and QI resource limits of $9,430 for one person and $14,130 for a couple, but Medicare and SSA already show 2026 limits of $9,950 and $14,910. For QDWI, both sources show $4,000 and $6,000. If you are close, do not guess. Apply.

Does Nevada automatically give Extra Help when MSP is approved?

Yes, for QMB, SLMB, and QI. Medicare says on its Extra Help page that anyone getting help from the state paying a Medicare premium through an MSP automatically qualifies for Extra Help with Part D drug costs. If you do not already have a drug plan, Medicare may enroll you in one so you have coverage.

Can I apply for Nevada MSP without using a computer?

Yes. Nevada’s current application notice says a full Medicaid application can be completed by phone at 1-800-992-0900 ext. 47200, and paper applications can be emailed, faxed, mailed, or dropped off. The Nevada medical application page posts the MAABD form, and the DSS contact page points you to local offices.

How long does Nevada usually take to approve a Medicare Savings Program?

Nevada’s MAABD processing manual says the state must process MAABD eligibility within 45 days from the application date, or within 90 days for disability-based cases. Many senior-only MSP applications should fit the 45-day timeline, but missing proof can slow things down.

What if a Nevada doctor keeps billing a QMB enrollee?

Tell the office you are in QMB and show proof of status. Medicare’s QMB tips sheet says providers cannot bill QMB members for Medicare-covered deductibles, coinsurance, and copayments, and you can ask for a refund if you already paid. If the office does not fix it, call 1-800-MEDICARE. If you need help understanding the bill, call Nevada MAP.

How are married couples handled in Nevada MSP cases?

Nevada’s budgeting manual says that when spouses live together in a Medicare Beneficiary case, spouse-to-spouse resource deeming applies and the couple resource limit is used. Nevada also says the value of both spouses’ countable resources can be counted, whether they are held jointly or separately, and only one automobile and one home may be excluded per couple.

What should I do if Nevada denies my MSP or takes too long?

First, ask DSS exactly what proof is missing or why the case was denied. If you disagree, Nevada’s AAU page says you can request a hearing, hearings are currently held by phone, and translation is available. MAP can help you understand the notice, and legal aid may be available if you need a representative.

Resumen en español

Si usted vive en Nevada y necesita ayuda con los costos de Medicare, la vía principal es solicitar un Programa de Ahorros de Medicare por medio de Access Nevada o con la solicitud MAABD de Nevada. Nevada usa los programas QMB, SLMB, QI y QDWI dentro del sistema estatal de Medicaid. Para muchas personas mayores con bajos ingresos, el programa más importante es QMB porque puede pagar primas de Medicare y también deducibles, coseguros y copagos de servicios cubiertos por Medicare.

Si no puede usar computadora, Nevada permite completar una solicitud completa por teléfono al 1-800-992-0900 ext. 47200. Si necesita ayuda gratis para entender cartas, escoger la mejor opción, o resolver un problema de facturación, puede llamar al Nevada Medicare Assistance Program al 1-800-307-4444. Si usted tiene QMB y un doctor le manda una factura por costos compartidos de servicios cubiertos por Medicare, no asuma que la debe. Use la guía oficial de QMB de Medicare y llame a 1-800-MEDICARE si la factura no se corrige.

About This Guide

This guide uses official federal, state, and other high-trust nonprofit and community sources mentioned in the article.

Editorial note: This guide is produced based on our Editorial Standards using official and other high-trust sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed.

Verification: Last verified April 7, 2026, next review August 2026.

Corrections: Please note that despite our careful verification process, errors may still occur. Email info@grantsforseniors.org with corrections and we respond within 72 hours.

Disclaimer: This article is for informational purposes only. It is not legal, financial, medical, tax, disability-rights, immigration, or government-agency advice. Program rules, policies, and availability can change. Always confirm current details directly with the official Nevada program or Medicare before you act.

About the Authors

Analic Mata-Murray

Analic Mata-Murray

Managing Editor

Analic Mata-Murray holds a Communications degree with a focus on Journalism and Advertising from Universidad Católica Andrés Bello. With over 11 years of experience as a volunteer translator for The Salvation Army, she has helped Spanish-speaking communities access critical resources and navigate poverty alleviation programs.

As Managing Editor at Grants for Seniors, Analic oversees all content to ensure accuracy and accessibility. Her bilingual expertise allows her to create and review content in both English and Spanish, specializing in community resources, housing assistance, and emergency aid programs.

Yolanda Taylor

Yolanda Taylor, BA Psychology

Senior Healthcare Editor

Yolanda Taylor is a Senior Healthcare Editor with over six years of clinical experience as a medical assistant in diverse healthcare settings, including OB/GYN, family medicine, and specialty clinics. She is currently pursuing her Bachelor's degree in Psychology at California State University, Sacramento.

At Grants for Seniors, Yolanda oversees healthcare-related content, ensuring medical accuracy and accessibility. Her clinical background allows her to translate complex medical terminology into clear guidance for seniors navigating Medicare, Medicaid, and dental care options. She is bilingual in Spanish and English and holds Lay Counselor certification and CPR/BLS certification.