Key Takeaways

• Medicare offers hidden resources that can help lower healthcare costs, improve access to specialized care, and provide additional support, but many beneficiaries are unaware of them.

• Understanding and utilizing these lesser-known Medicare benefits can improve your overall healthcare experience and save you money in 2025.

1. Free Preventive Services You Might Not Be Using

Many people don’t realize that Medicare covers a range of preventive services at no cost to you. These services can help detect health issues early, keeping you healthier in the long run. Some of the most overlooked free preventive services include:

• Annual Wellness Visit – A yearly check-up designed to create a personalized health plan.

• Screenings for Conditions Like Diabetes, Heart Disease, and Cancer – Regular screenings can help detect diseases early when they are easier to treat.

• Vaccinations – Including flu shots, pneumonia vaccines, and more.

• Bone Density Tests – Important for those at risk of osteoporosis.

• Depression Screenings – Mental health is just as important as physical health.

Taking advantage of these free services can help prevent larger medical issues down the road.

2. The Medicare Savings Programs (MSPs) That Help Pay Premiums

Did you know that if you have limited income and resources, Medicare has programs to help cover your premiums, deductibles, and copayments? These programs include:

• Qualified Medicare Beneficiary (QMB) Program – Covers Part A and Part B premiums, deductibles, copays, and coinsurance.

• Specified Low-Income Medicare Beneficiary (SLMB) Program – Helps pay for Part B premiums.

• Qualifying Individual (QI) Program – Also assists with Part B premiums but is awarded on a first-come, first-served basis.

• Qualified Disabled and Working Individuals (QDWI) Program – Helps pay Part A premiums for certain disabled individuals who return to work.

Applying for these programs can significantly reduce your out-of-pocket costs if you meet the income and resource limits.

3. Extra Help with Prescription Drug Costs

The Extra Help program assists eligible Medicare beneficiaries with the costs of prescription drugs under Medicare Part D. It covers:

• Monthly premiums for Part D coverage.

• Annual deductibles.

• Lower copayments for medications.

In 2025, the out-of-pocket cap for prescription drug costs is $2,000, but Extra Help can make medications even more affordable if you qualify.

4. Chronic Care Management (CCM) for Long-Term Conditions

If you have two or more chronic conditions like diabetes, arthritis, or heart disease, you could benefit from Chronic Care Management (CCM). This service provides:

• A dedicated care coordinator to help manage medications and doctor appointments.

• Regular check-ins to track your health status.

• Personalized care plans to help manage chronic conditions effectively.

Medicare covers this service, but you may have a small copayment. Many beneficiaries don’t realize that this extra layer of support is available to help them manage their health better.

5. Home Health Care for Those Who Qualify

If you’re recovering from an illness or injury, Medicare-covered home health care can provide a cost-effective alternative to extended hospital stays. Medicare may cover:

• Skilled nursing care.

• Physical therapy and occupational therapy.

• Medical social services.

• Assistance with daily activities (if medically necessary).

You must be homebound and have a doctor’s order to qualify, but this benefit can be a lifesaver for those needing ongoing care.

6. Telehealth Services for More Convenient Care

Medicare has expanded its telehealth coverage, allowing you to consult doctors, specialists, and mental health professionals from home. Covered services include:

• Virtual doctor visits.

• Remote mental health counseling.

• Follow-up care after hospital visits.

• Monitoring of chronic conditions.

This service is especially beneficial for those in rural areas or with mobility limitations, offering access to care without travel hassles.

7. The “Welcome to Medicare” Visit for New Beneficiaries

If you’re new to Medicare, you are entitled to a “Welcome to Medicare” preventive visit within the first 12 months of your enrollment. This one-time visit includes:

• A thorough review of your medical history.

• Basic health screenings.

• Personalized recommendations for preventive services.

• Information on advance care planning.

Many people miss out on this free service, but taking advantage of it can set the foundation for better long-term healthcare management.

Making the Most of Your Medicare Benefits

Now that you know about these hidden Medicare resources, it’s time to put them to good use. Whether you’re looking for ways to cut costs, access specialized care, or make managing your health easier, these benefits can make a real difference. If you’re unsure about eligibility or how to apply, speak with a licensed agent listed on this website to get the professional advice you need.