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Find the help you have already paid for.
Millions of older Americans miss out on money they qualify for, simply because nobody told them it exists. Answer a few plain questions and we will show you which of 348 programs you may qualify for, what each one is worth, and exactly where to apply.
We are not a government agency and we are not affiliated with Medicare, Social Security, or any insurance company.
- Programs in the catalog
- 348
- A Medicare Savings Program alone is worth $2,434.80 a year — the 2026 Part B premium — and most people who qualify never applied.
- $2,434.80
- ZIP codes covered
- 42,366
Every program on this site is free to apply for. Anyone who asks you to pay to apply, or to “unlock” a government benefit, is a scam — hang up and call Senior Medicare Patrol or 211.
What do you need help with?
Pick a category to see every program we track for it.
Start with a guide
Written at a sixth-grade reading level, checked against the agency's own page.
Prescription and medication costs
If your medicines cost more than you can pay, there are four separate places to look: Extra Help from Social Security, the Medicare Prescription Payment Plan that spreads your costs over the year, your state's own drug assistance program, and the drug maker's own patient program. Most people who qualify for Extra Help have never applied for it. Each one is free to apply for.
Lowering your Medicare costs
Medicare is not free, but four programs can cut what you pay: a Medicare Savings Program can pay your Part B premium outright, Extra Help lowers drug costs, SHIP gives you free one-on-one counseling, and Senior Medicare Patrol helps you fight a bill that looks wrong. Millions of people who qualify for a Medicare Savings Program are not enrolled in one.
Help with food
Four separate food programs serve older adults, and you can use more than one at the same time: SNAP puts money on a card you use at the grocery store, the CSFP senior food box gives you a monthly box of staples, Meals on Wheels brings hot meals to your door, and the Senior Farmers Market Nutrition Program gives you coupons for fresh produce. Older households have special SNAP rules that raise the benefit.
Help with utilities and home energy
Help with a utility bill comes from four different places: LIHEAP pays part of your heating or cooling bill, the Weatherization Assistance Program fixes the house so the bill goes down for good, your utility's own hardship fund and medical protections can stop a shut-off, and separate local programs help with water and sewer. LIHEAP money is limited each year and often runs out, so the date you apply matters.
Medical bills and hospital debt
A hospital bill you cannot afford is often not a bill you have to pay in full, because nonprofit hospitals are required by federal tax law to have a written financial assistance policy and to tell patients about it. Charity care can erase a bill even after it has gone to collections, and separate copay foundations help with drug costs. Asking is free and does not affect your care.
Help staying in your home
Staying put usually costs less than moving, and four kinds of help make it possible: USDA repair grants for homeowners 62 and older in rural areas, HUD Section 202 apartments built only for older adults, senior property tax relief in nearly every state, and free or low-cost home modifications like grab bars and ramps. Most of these are applied for locally, not online.