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7 Benefit Programs Many Seniors Overlook
Every year, a lot of people on Medicare leave help on the table. Not because they don't qualify, but because nobody told them these programs exist. Here are seven worth checking.
Some are private plans and some are government programs. What you can get depends on where you live and your income.
Medicare Advantage plans with extra coverage
Private insurance plansSome Medicare Advantage plans include things Original Medicare doesn't cover. Plans and benefits vary by county, and not every plan is available everywhere.
- Dental
- Vision
- Hearing
You can check which plans are offered where you live in a few minutes. Browsing does not enroll you.
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Medicare Savings Programs
State programThese programs can help pay your Part B premium, and sometimes other Medicare costs too. The income limits are higher than many people expect.
Where to apply: your state's Medicaid office. Read our Medicare Savings Program guide
Extra Help with prescription costs
Federal programExtra Help lowers what you pay for Part D drug coverage. If your income and savings are limited, it can cut your costs a lot.
Where to apply: Social Security, at ssa.gov/extrahelp or by phone. Read our Extra Help guide
SNAP food benefits
Federal and state programMany older adults qualify for SNAP and never apply. Some states also have simpler applications for seniors.
Where to apply: your state's SNAP office.
Help with energy bills
Federal and state programLIHEAP helps households with limited income pay heating and cooling bills. Funds can run out each year, so it helps to apply early.
Where to apply: your state or local energy assistance office.
Discounted phone or internet service
Federal programThe Lifeline program lowers the monthly cost of phone or internet service for people who get certain benefits or have limited income.
Where to apply: lifelinesupport.org or through a participating phone company.
Property tax relief
State and county programsMany states and counties offer property tax breaks for older homeowners, like exemptions or freezes on your home's value.
Where to apply: your county assessor's office.
Not sure where to start?
Programs 2 through 7 are free to apply for directly. If you want to know what Medicare Advantage plans are offered where you live, you can review third-party plan options and compare them with official Medicare information.
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Programs 2 through 7 are government programs you can apply for directly at no cost. Options are not available in all areas. Eligibility, availability, costs, and benefits vary by plan, county, and enrollment period.