Senior Help
Three programs nobody tells seniors about. And the people who can.
Medicare Savings Programs, SHIP counselors, senior meal programs, and property tax relief. If you're 60+ and on a fixed income, you're probably leaving money on the table.
Three things to look at first
Today
Call your local Area Agency on Aging — find them at eldercare.acl.gov or 1-800-677-1116. They'll walk you through everything you might qualify for.
This week
Call your state SHIP counselor for a free Medicare review. They're trained, free, and not selling anything.
1. Medicare Savings Programs (MSPs)
If your income is modest, Medicare Savings Programs pay your Medicare Part B premium ($174.70/month in 2026 — that's over $2,000 a year back in your pocket) and sometimes more. Income limits are higher than people think — often around $1,700/month for a single person. Apply through your state Medicaid office or with help from a SHIP counselor.
2. Extra Help (Low-Income Subsidy)
Pays most or all of your Medicare Part D drug plan costs — premiums, deductibles, copays. Income limits are similar to MSPs. Apply at ssa.gov/medicare/part-d-extra-help or 1-800-772-1213.
3. SHIP counselors
State Health Insurance Assistance Program. Trained volunteers who give free, unbiased Medicare counseling. They are not insurance agents. They help you compare plans, file appeals, and find programs you qualify for. Find your SHIP at shiphelp.org.
Food and meals
Senior meal programs (congregate and home-delivered)
Federally funded under the Older Americans Act. Free or donation-based meals at senior centers (congregate) or delivered to your door (Meals on Wheels). No income limit, but priority goes to people with the greatest need. Call your Area Agency on Aging.
Senior Farmers Market Nutrition Program
Vouchers for fresh produce at farmers markets. Run by the USDA in most states. Apply through your Area Agency on Aging or state agriculture department.
SNAP for seniors
If you're 60+, the SNAP rules are easier. Higher income limits in most states, simpler application, and asset rules don't usually count your home or car. Apply at our Food & SNAP page.
Property tax relief
Most states have a property tax exemption, freeze, or rebate for seniors. Sometimes the savings are dramatic — a senior in many states can save thousands a year. Programs are usually called "homestead exemption," "senior freeze," "circuit breaker," or "property tax rebate." Search "[your state] senior property tax exemption" or call your county tax assessor.
Help with utilities
LIHEAP (heating and cooling assistance) often has higher income limits or priority for seniors. Many utilities have "senior discount" or hardship programs. Combine these with energy weatherization (free insulation and sealing). See our Utility Help page.