As the holiday season approaches, it's the perfect time to unwrap the often-overlooked benefits hiding in your Medicare plan. Many people don't realize the valuable perks they're already paying for, and December is your last chance to use them before they reset in the new year.
Think of these benefits like hidden presents under the Christmas tree – they're there waiting for you, but you have to know where to look! Most Medicare plans offer free annual wellness checks, preventive services, fitness program benefits like SilverSneakers, and even over-the-counter allowances that can help with everyday health needs.
Making the Most of Your Plan Benefits
I encourage everyone to check their plan details carefully. Take advantage of those free wellness visits to get a complete health assessment and discuss your care plan with your doctor. Many plans also cover preventive screenings at no cost to you, from mammograms to colonoscopies.
Don't forget about fitness benefits either. Programs like SilverSneakers give you access to gyms and fitness classes specifically designed for seniors. And if your plan includes an over-the-counter allowance, you can use it for vitamins, first aid supplies, and other health-related items you'd buy anyway.
It's not just about the freebies; it's about taking charge of your healthcare and making the most of what you have. A little time spent reviewing your benefits now can pay dividends for your health and your wallet all year long.
By David Edge
David Edge is a retirement lifestyle writer and contributor to the ARA monthly newsletter. His articles blend personal stories with practical insights on living well in retirement.
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Easy Eddie's Take
Let's take a look at this together. Medicare Annual Open Enrollment runs from October 15 through December 7, 2026, so if you missed making plan changes, you can still maximize your current benefits before December 31st. Most Medicare Advantage plans and some Medicare Supplement plans include extras like SilverSneakers or Renew Active fitness programs, plus over-the-counter allowances ranging from $25 to $150 per quarter.
Here's the good news: your Annual Wellness Visit is covered 100% by Original Medicare and most Medicare Advantage plans, and it's separate from your annual physical. Many people ask me, "What's the difference between a wellness visit and a physical?" The wellness visit focuses on prevention and creating a personalized health plan, while a physical addresses current health concerns. You can have both!
Most people are surprised when they learn this, but unused benefits don't roll over to 2027. That over-the-counter allowance, those extra dental cleanings, or vision benefits – use them or lose them. A little preparation today can make a big difference for your health tomorrow.