Senior food assistance programs help make healthy foods more affordable for older individuals who may have very limited incomes. While there are a variety of programs in this niche – including those run by government agencies and nonprofits – seniors are often particularly interested in learning more about the Medicare grocery allowance. While there is a food assistance program associated with some Medicare plans, not everyone has access. Here’s a look at what the program is, how it works, and how to qualify for the Medicare grocery allowance.
What Is the Medicare Grocery Allowance?
The Medicare grocery allowance – also referred to as a grocery supplement or healthy foods benefits – is a feature of specific Medicare health plans. Through the program, nutritious food becomes more accessible as participants get access to additional funds to help make those purchases. In some cases, seniors with the grocery allowance may also be eligible for delivered meals, though those are usually only available after a hospital or skilled nursing facility stay.
How Does the Medicare Grocery Allowance Work
In many cases, using a Medicare grocery allowance is relatively simple. Individuals on qualifying plans who meet the other eligibility requirements typically receive a set dollar amount every month or quarter. Usually, the funds are issued on a card that functions similarly to a debit card, allowing them to use the card during checkout at participating stores.
When using the Medicare grocery allowance, only specific products are able to be covered by the funds. Typically, nutritious foods are allowed, and some programs also permit specific health-related items, such as over-the-counter medication. Other products – such as processed foods, alcohol, or personal care items – that are ineligible can’t be covered using the card. Instead, seniors would need to pay for those after the funds from the card are applied to the eligible part of the purchase.
In many cases, Medicare grocery allowances don’t roll over from one period to the next. As a result, any money from the program that isn’t spent is functionally forfeited once the next deposit onto the card is issued.
How to Qualify for the Medicare Grocery Allowance
Grocery allowances are only available through specific Medicare plans. You won’t find it as an option on any Original Medicare plan. Instead, it’s a benefit some – but not all – Medicare Advantage insurers offer to qualifying seniors.
Eligibility requirements for Medicare grocery allowances through Medicare Advantage plans can vary. Some insurers only make them available to seniors with specific chronic conditions, usually through Special Supplemental Benefits for the Chronically Ill (SSBCI) programs. Qualifying conditions may include heart disease, diabetes, renal disease, COPD, and others, though precisely which ones make a senior eligible and the required severity of the condition can vary.
Medicare Advantage plans may also have short-term grocery allowances for seniors returning home after an acute health incident that results in a somewhat lengthy hospital or nursing home stay. With these, they may even provide access to a meal delivery service, essentially ensuring the impacted seniors can have healthy meals as they continue their recovery at home.
How to Find a Plan with a Medicare Grocery Allowance
As mentioned above, not all Medicare Advantage plans have a grocery allowance component. Typically, the benefit is more commonly found on Special Needs Plans, but that doesn’t make it universally available to those using that type of program.
Since that’s the case, seniors interested in a Medicare grocery allowance need to review the details of the Medicare Advantage plans they’re considering. Usually, SSBCI plans are worth exploring, as well as chronic condition special needs plans (C-SNPs) and dual eligible special needs plans (D-SNPs).
While researching the program, look for the eligibility requirements relating to the grocery allowance. What makes a senior eligible varies from one insurance company to the next, so it’s critical to review any information regarding qualifying. In some cases, contacting the insurer directly is also wise, as a representative can clarify what’s required to be eligible for a Medicare grocery allowance through the insurer’s plans.
Do you have any additional insights that can help seniors who want to find out if they qualify for the Medicare grocery allowance? Are you aware of any other resources that can make it easier for seniors to access healthy foods? Share your thoughts in the comments below.
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Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.
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