As you approach or settle into retirement, your priorities shift, and rightly so. With decades of work behind you, it’s time to enjoy the fruits of your labor. But one area that continues to demand attention is healthcare. Medical costs can add up quickly, and even with Medicare coverage, you might find yourself surprised by what isn’t included.

Many seniors think they’ve got everything covered once they sign up for Medicare, but the truth is, several additional benefits often go unnoticed or unused. If you’re not taking full advantage of what’s available, you could be missing out on valuable services, savings, and support.

Let’s explore the benefits you might be overlooking and how you can make the most of your health coverage in retirement.

Don’t Miss Out on Perks: The Power of Added Medicare Benefits

You might be surprised to learn that Medicare Advantage plans often include more than just basic coverage. From vision and dental care to hearing aids, over-the-counter product allowances, and fitness memberships, there’s a whole world of extras available to you. Yet, many seniors don’t even know these perks exist.

If you’re enrolled in a Medicare Advantage plan, check whether it includes an Aetna extra benefits card. If so, you may have access to funds for everyday health-related items like groceries, personal care products, and even transportation to doctor appointments. This type of card helps stretch your retirement income further, and knowing where and how to use it can make a meaningful difference in your monthly budget. These cards are accepted at several national retailers and can be used both in-store and online, giving you flexibility and convenience.

Why Routine Care Still Matters After 65

Just because you’ve retired doesn’t mean your healthcare routine should slow down. On the contrary, staying on top of preventative checkups becomes more important than ever. Annual physicals, flu shots, vision exams, and dental cleanings all play a role in keeping you healthy and independent.

Preventive care can also help detect conditions early when they’re most treatable. For example, regular screenings for cholesterol, blood pressure, and certain types of cancer can catch issues before they develop into bigger (and costlier) problems.

The best part? Many of these services are fully covered through Medicare. So not only are they good for your health, they’re good for your wallet, too.

Navigating Coverage Gaps with Confidence

No plan is perfect, and that includes Medicare. Original Medicare doesn’t cover everything, which is why many retirees explore supplemental insurance or Medicare Advantage options to fill the gaps. From prescription drug plans (Part D) to dental and vision add-ons, these extras can be crucial for maintaining your health and avoiding unexpected expenses. Even routine needs like eyeglasses, hearing aids, or preventive dental cleanings might not be covered unless you have the right plan.

It’s important to evaluate your needs each year during open enrollment. Your health might change, and your plan should change with you. Review what’s covered, compare costs, and ask yourself whether you’re truly getting the most value for your money. Don’t assume last year’s plan is still your best option. Medicare Advantage plans and supplemental policies can change benefits, provider networks, and costs from year to year.

If your current plan includes extra benefits, make sure you’re using them. And if it doesn’t, it might be time to consider switching to one that does. Take advantage of free plan comparison tools or speak with a licensed advisor who can walk you through your options. Being proactive now can prevent financial headaches and ensure you have the care you need when you need it most.

Be Proactive: Questions to Ask Your Provider or Insurance Rep

Many seniors don’t take the time to ask key questions that could help them maximize their benefits. It’s not always easy to keep up with what’s new or changing in the world of Medicare, but asking a few simple questions can open doors to new support:

• What preventative services are fully covered under my plan?
• Does my plan offer any over-the-counter or wellness benefits?
• Are there preferred providers or pharmacies that can save me money?
• How do I check the balance or use my Medicare benefits card?

Staying informed means staying empowered. Make it a habit to review your plan at least once a year, even better, before the annual enrollment period.

Financial Wellness Goes Hand in Hand with Health

Health coverage isn’t just about access to doctors and medicine. It’s also about financial protection. Unexpected medical bills can drain savings fast, and many seniors are living on fixed incomes. That’s why it’s essential to explore every benefit, discount, and support tool you’re eligible for.

Even something as small as coverage for vitamins, personal care items, or at-home monitoring devices can offer big savings over time. Think of these extras as tools that protect both your health and your financial stability.

If you’re tech-savvy, you can also track many of your benefits online through member portals and mobile apps. These tools can make it easier to see what’s available and how much of your benefits you’ve used.

Take Charge of Your Health and Your Future

Retirement is a new chapter and ideally, a fulfilling and healthy one. But that requires a bit of planning and awareness when it comes to your healthcare. By knowing what’s included in your plan, taking advantage of your benefits, and asking the right questions, you set yourself up for success.

Remember, your health is your wealth. Small steps now can lead to a better quality of life in the years to come. Whether you’re managing a chronic condition, keeping up with preventive screenings, or simply wanting to stay active and well, there’s support available; you have to use it.

You’ve earned your retirement. Now, it’s time to make it work for you, starting with your health coverage. The options available today go far beyond what many seniors realize, and tools are there to help make everyday life easier and healthier.

If you’ve never explored these extras before, don’t wait. Start by reviewing your current plan, asking your provider about what’s included, and making sure you’re getting every bit of support you deserve. Smart healthcare planning today leads to stronger, more confident living tomorrow.