To ensure that Lafayette County retirees in Mayo (`32066`), Day (`32013`), and Cooks Hammock receive 100% free, unbiased, commission-free Medicare financial counseling without sales pressure, the Florida Department of Elder Affairs (`DOEA`) **SHINE (Serving Health Insurance Needs of Elders)** program operates across Planning and Service Area 3 (`PSA 3`) through **Mid-Florida Area Agency on Aging, Inc. d/b/a Elder Options** (`Sunbiz #739234 / #739573`, `EIN 59-1840487`, 100 SW 75th St, Ste 301, Gainesville, FL 32607, `1-800-96-ELDER / (800) 963-5337`, Direct SHINE Line `(352) 692-5209`). In Lafayette County, state-certified SHINE counselors and **Suwannee River Economic Council (`SREC`, Sunbiz `#709430`)** benefit specialists coordinate in-person and telephonic appointments through two downtown Mayo anchors: the **Lafayette County Senior Citizens Center** (`140 SW Virginia Cir / 114 SW Community Cir, Mayo, FL 32066`, `(386) 294-2202` / SREC Live Oak `(386) 362-4115`) and the **Lafayette County Public Library** (`120 NW Fletcher Ave, Mayo, FL 32066`, `(386) 294-1021`, part of the Three Rivers Regional Library System headquartered at 176 SW Community Cir, Ste B, Mayo, `(386) 294-3858`). SHINE counselors audit out-of-pocket prescription costs at **North Florida Pharmacy of Mayo** (`229 W Main St, Mayo`, `(386) 294-3777`), compare Original Medicare + Medigap vs. rural Medicare Advantage provider networks (ensuring in-network access to HCA Florida Suwannee Emergency in Live Oak, Doctors' Memorial Hospital in Perry, and Lake City / Gainesville hospitals), screen low-income seniors for **Medicare Savings Programs (`QMB`, `SLMB`, `QI-1`)** that save `$2,200+/year` by paying the Medicare Part B premium, file **Social Security Part D Extra Help (`LIS`)** applications, and investigate billing fraud through the **Florida Senior Medicare Patrol (`SMP`)**.
Official Verification Sources: Florida SHINE (Serving Health Insurance Needs of Elders) — Free Medicare Counseling; Elder Options — Area Agency on Aging for North Central Florida (DOEA PSA 3); Three Rivers Regional Library System — Lafayette County Public Library (Mayo, FL)
Issuer: Florida Department of Elder Affairs (DOEA) & U.S. Administration for Community Living (ACL)
Notes: Verified 2026-10-26: Official state-designated Area Agency on Aging and SHINE administrator for Lafayette County (1-800-96-ELDER / (352) 692-5209).
Issuer: Suwannee River Economic Council, Inc. & Three Rivers Regional Library System
Notes: Verified 2026-10-26: Local Mayo community sites providing SHINE outreach, benefit counseling, and digital access for Medicare and Social Security filings.
Factual details and direct answers about SHINE Medicare & Financial Benefit Counseling — Elder Options (DOEA PSA 3 ADRC #739234), Lafayette County Senior Citizens Center (Mayo) & Lafayette County Public Library (Three Rivers Regional Library)'s services, licensing, and credentials.
How can a senior in Mayo or Day get free, unbiased help comparing Medicare plans or lowering prescription drug costs?
Lafayette County seniors can call the Elder Options / DOEA PSA 3 Elder Helpline at 1-800-96-ELDER ((800) 963-5337) or the direct PSA 3 SHINE line at (352) 692-5209, or coordinate locally through the Lafayette County Senior Citizens Center (140 SW Virginia Cir, Mayo, (386) 294-2202) and the Lafayette County Public Library (120 NW Fletcher Ave, Mayo, (386) 294-1021). State-certified SHINE counselors do not sell insurance and provide 100% free comparisons of Part D drug coverage at North Florida Pharmacy of Mayo, Medigap policies, and Medicare Advantage hospital networks.
Can SHINE counselors help Lafayette County retirees apply for programs that pay their monthly Medicare Part B premium?
Yes. SHINE counselors screen Lafayette County seniors for Florida Medicare Savings Programs (QMB, SLMB, and QI-1) and Social Security Extra Help (Low-Income Subsidy). Qualifying for QMB or SLMB eliminates the monthly Medicare Part B premium deduction from Social Security checks (saving over $2,200 per year) and caps prescription copays.
Connect with complementary legal, financial, and residential providers serving seniors in Mayo and Lafayette County.
Lafayette County Courthouse Probate, Guardianship & Homestead Registry — Clerk of Circuit Court Hon. Steve Land, County Judge Hon. Darren K. Jackson, County Attorney Leenette W. McMillan, Esq., Property Appraiser Wayne 'Bucky' McCray, CFA & 3rd Circuit Public Guardian
Mayo, Lafayette County
(386) 294-1600
Suwannee River Economic Council, Inc. (SREC — Sunbiz #709611) HUD Section 8 Housing Choice Voucher Registry & Adjacent Live Oak Housing Authority (HUD PHA #FL054) / North Central Florida Regional Housing Authority (#FL139)
Mayo, Lafayette County
(386) 294-2202
Lafayette Nursing and Rehabilitation Center (60-Bed Skilled Nursing, Post-Acute Rehab & Memory Care — Mayo)
Mayo, Lafayette County
(386) 294-3300
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Lafayette State Bank — Mayo Headquarters Branch (FDIC Cert #16396 / #16266, Sunbiz #705561) & First Federal Bank — Mayo Branch (FDIC Cert #31313 / #31307, Sunbiz #P17000083684)
Mayo, Lafayette County
First Federal Wealth Management / Moses Wealth Advisors (Raymond James CRD #6694 / #149018) & Live Oak / Lake City Fiduciary Wealth Corridor Serving Mayo (Gunter Financial CFP®)
Mayo, Lafayette County
Capital City Trust Company (FL OFR #70239), Capital City Bank & Investments (FDIC #9622 — Branford & Live Oak) & Ameris Bank (FDIC #16480) — Suwannee Basin Corporate Fiduciary & Trust Corridor
Mayo, Lafayette County
Tina B. Singletary, CPA, Inc. (Sole In-County Mayo CPA — DBPR #AD0019894), Powell & Jones, CPAs, Odom, Moses & Company, LLP & Collins & Company, CPAs — Fiduciary Estate, Farm & Retirement Tax Corridor
Mayo, Lafayette County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.