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Life change guide
Learn what benefits to apply for when you turn 65. Medicare, SNAP, SSI, and more programs explained.
Reaching this milestone brings big decisions about health coverage and money. It is normal to feel unsure about where to start. The good news is that help is available, and you can take it one step at a time.
Medicare is the main health insurance for older adults. When you sign up matters, so start looking into it early. Medicare also has costs, like premiums and copays. If your income and savings are limited, other programs may help pay those costs and lower what you pay for prescriptions.
Food help and cash help may be available too. SNAP has special rules for households with someone aged 60 or older. For example, you only need to meet the net income limit. Keep your Social Security details and bank statements handy, since many applications ask for them.
Look into when you can sign up for Medicare well ahead of time. Signing up at the right time matters.
About MedicareIf money is tight, apply for a Medicare Savings Program through your state Medicaid office. It may help pay your Medicare premiums.
About MSPExtra Help may lower what you pay for Medicare Part D premiums, deductibles and copays. You can apply through Social Security.
About Extra HelpSSI pays monthly cash to older adults who have limited income and resources. Contact Social Security to apply.
About SSIHouseholds with someone aged 60 or older only need to meet the net income limit, and some medical costs may count as deductions. Apply through your state.
About SNAPServices from our partners. You never need a paid service to apply for benefits.
ClearLine Wireless
4.3out of 5 stars,(5,310 reviews)Qualify through SNAP, Medicaid or SSI and get a free smartphone plan.
On ClearLine Wireless's secure site
Pros
Good to know
Lifeline is limited to one discount per household.
BrightPath Medicare
4.5out of 5 stars,(8,920 reviews)A free, no-obligation comparison of plans available in your ZIP code.
On BrightPath Medicare's secure site
Pros
Good to know
Agents may not offer every plan in your area. Medicare.gov lists all plans.