2016 Best List Of Senior Discounts

FEBRUARY 28, 2016 BY THE SENIOR LIST 27 COMMENTS

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The Best List of Senior Discounts on the web.  Feel free to share it with friends and family!

© The Senior List, 2016. If you plan on recommending any of our discount lists, please do so with appropriate attribution to The Senior List® and a link back to our website. Thanks!  If you’re looking for a printable version of our list you’ll find it in our community library (members only area) located —> HERE.

*Please note: Many of the discounts you’ll see below are offered by franchise owners in local markets.  This means that discounts will vary from location to location.

We had an incredible response to our 2015 senior discount lists published last year.  Many of the service providers on our 2016 senior discounts list have been verified and those that have with be noted with a “verified” flag.  We reached out to all the businesses on our list, but some were unresponsive.  As usual, we’ll  rely on our community (you) to provide updates as you uncover them.  Use the comments section to help verify discount policies and/or note the specific senior discounts in your local area.Be the first to hear about new Discount Lists by joining us on Facebook.  We’re building an online community where people can engage with each other, provide advice, discuss products, and more.

Please understand that discount policies do change.  They change at the national level, and they change at the local level.  Sometimes these changes are published, and sometimes they’re not.  Our best advice for discount shoppers is to ask ahead of time so there are no surprises.

2016 Best List Of Senior Discounts

This master list of senior discounts is meant to be a guide, and with your help we’ll keep it updated throughout the year.  If you’re looking for short versions or printable versions of the individual categories, just navigate to the category “header”, and it will link you to that specific discount list.  You can also click the printer icon below for a printable list.

Senior Discounts at Grocery Stores

ALSO READ: Senior Discounts to Add to Your Repertoire in 2016

Albertsons: 10% off first Wednesday of each month ( 55 +)
American Discount Stores: 10% off every Monday (50 +)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+) verified
Fred Meyer senior discount: 10% first Tuesday of each month (55+) verified
Fry’s Food Stores: 10% off on the first Wednesday of every month (55 +) verified
Get free printable coupons now from Coupons.com
Great Valu Food Store: 5% off every Tuesday (60+)

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Gristedes Supermarket: 10% off every Tuesday (60+)
Harris Teeter: 5% off every Thursday (60+) verified
Hy-Vee: Says “Yes” (but discount policy varies by locale) verified
Kroger: 10% off (date varies by location) verified
Morton Williams Supermarket: 5% off every Tuesday (60+)
New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for militaryverified
Publix: 5% off every Wednesday ONLY in Tennessee, North Carolina and the northern portions of Alabama, South Carolina and Georgia (60 +) verified
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe’s Marketplace: 5% off (62+ on Wednesdays)

ALSO READ: Senior Discounts And Customer Loyalty

Senior Discounts On Prescriptions

AARP:  With the AARP Prescription Discount Card (provided by Catamaran an OptumRx company), AARP members and their families can access an average savings of 38% off prescription drugs (regardless of age or health status).  Must be a member of AARP to access benefits.  AARP boasts acceptance by 64,000 pharmacies nationwide. verified

Rite Aid:  Sign up for the Rite Aid Rx Savings Program.  Save 15% or more on thousands of brand name and generic prescription drugs by signing up for the Rite Aid Rx Savings Program. When you sign up, you’ll receive Rx Savings Card that gives you access to special discounts at Rite Aid pharmacy. verified

Costco Member Prescription Program:  The Costco Member Prescription Program is a prescription savings program for you and your family. It allows Members who have no prescription drug insurance or whose insurance does not cover all of their prescription medications. Save 2% – 40% at time of sale. verified

CVS Pharmacy:  Enroll in the CVS ExtraCare Savings and Rewards program.  You’ll receive “ExtraSavings” through personalized coupons delivered on receipts, and online via theExtraCare Coupon Center. ExtraBucks Rewards are earned by shopping and filling prescriptions.  You can earn up to 2% back in ExtraBucks Rewards from your everyday purchases.  Also, if you fill 10 prescriptions, your can earn $5 ExtraBucks Rewards through the ExtraCare Pharmacy & Health Rewards program.  verified

RELATED READ: PRESCRIPTION DRUG PRICES ON THE RISE

Kmart:  The Prescription Savings Club at Kmart (Pharmacy Savings Plus) is annually $15 per household or $10 per person.  You and the family are then covered  for certain generic drugs (starting at $5 for a 30-day supply and starting at $10 for a 90-day supply). The Drug Price lookup tool is an easy way to see if and how much you can save.   You can even get discounts on pet medications with a prescription from your vet. verified

Target: Target pharmacies are being rebranded to CVS Pharmacy brand.  This change is underway now.  Your Target (CVS) Pharmacy will already have your prescription records on file. You’ll be able to access your records and refill your prescriptions at CVS.com/Target or by visiting CVS Pharmacy inside Target stores.  Target says “As of December 16, 2015, Target Pharmacy guests have automatically moved to CVS Health’s network. Guests are encouraged to call their health-plan provider with any questions. For general pharmacy questions, you can contact your local pharmacy or CVS Customer Relations: 1-800-SHOP-CVS (1-800-746-7287).  The Target Prescription Savings Plan is no longer being offered.  It will be replaced with the CVS pharmacy and CVS rewards plan (which you can review above). verified

Walgreens Prescription Savings Club:  Membership fee required ($20 individual or $35 family per year). Walgreens Prescription Savings Club members get special discounts off the cash price of thousands of brand-name and generic medications as well as other benefits when they use their Prescription Savings Club Card. Additionally, if you don’t save at least the cost of your membership fee in one year, Walgreens will give you the difference. verified

Walmart Pharmacy Services: Walmart pharmacies offer low-cost generic prescription medications that can save you money. Walmart carries both generics (where they boast $4 refills) and branded drugs.  Check out the Walmart drug list to see if you can save on your medications. verified

Narcup.com: Start saving money today with Narcup.com’s prescription discount card for credit union members age 50 plus. However, it is also open to the general public. The program is for families, children and grand children who have no prescription drug insurance or whose insurance does not cover all their medications.

By using their prescription discount card, a person can save up to 50% on FDA approved drugs. In addition to 18,000 independent pharmacies, large chains including Walgreens, Kmart, Target, CVS, Rite Aid, Publix, Winn-Dixie and Safeway also participate in the network.Narcup.com does not charge any membership dues or fees. You can print off a prescription card and use it immediately. You can request a durable card by mail. A nice feature of the program is that you can look up your medication price based on your zip code. You can also compare prices at other pharmacies. verified

Click to read more: https://www.theseniorlist.com/2016/02/2016-best-list-senior-discounts/ 

Medicare Supplement Insurance Policy Costs Vary By Up to 68 Percent

Monthly Costs for 65 Year Old Range From $118 to $444 According to Medicare Supplement Insurance Association's 2016 Price Index

American Association for Medicare Supplement InsuranceApril 4, 2016 10:18 AM

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Medicare Supplement insurance expert, Jesse Slome, head of the American Association for Medicare Supplement …

LOS ANGELES, CA--(Marketwired - April 04, 2016) - A 65-year old male purchasing Medicare Supplement insurance will pay anywhere from a low of $126-per-month to a high of $444-per-month according to the just-published 2016 National Medicare Supplement Price Index.

"Costs for Medicare Supplement insurance, also called Medigap, vary significantly for both men and women," reports Jesse Slome, director of theAmerican Association for Medicare Supplement Insurance (AAMSI), which released the first phase of the study that compares rates for the top-10 metropolitan areas.

According to the Price Index, a 65-year-old woman will pay as little as $118-per-month in San Antonio, TX to as much as $444 monthly if she lives in Manhattan, NY. The Association study examined costs and reported percentage differences between the low and high rates. "For a 65-year old male, the average difference was 39 percent," Slome notes. "For 65-year-old females, the average difference was 34 percent but in some cities the spread between the lowest and highest costs is as much as 48 percent."

Some 12.2 million Americans were protected by Medicare Supplement insurance in 2015 a significant increase compared to 2010 when 9.7 million owned a Medigap policy. "More Americans value the significant benefits and advantages these policies provide," Slome shares. "With 10,000 Americans turning 65 every day, the number of Medigap policyholders will continue to grow."

The Association examined monthly rates for Medicare Supplement Plan F, the most commonly purchased coverage. "Some 66 percent of individuals choose Plan F," Slome shared. Private insurers offer Medigap policies but the government has standardized coverage by assigning a specific letter to make it easier to comparison shop. Three states that had standardized policies before the federal law passed follow different rules.

"Prices vary and no single insurer was consistently the least expensive nor the most expensive," Slome says the study found. "Consumers who want the best coverage for the lowest cost would be well served by working with a knowledgeable Medicare Supplement insurance agent who can educate and help you with the comparison shopping."

Highest Costs in New York City; Lowest Costs In San Antonio, Texas

Among the top-10 U.S. cities, the highest cost for Plan F coverage was $444-per-month for a 65-year-old male living in Manhattan, New York according to the Price Index. The lowest cost was $126-per-month for a male living in San Antonio, Texas. For a 65-year-old female, the highest cost was $444 and the lowest was $118 for the same cities.

Jesse Slome is director of the American Association for Medicare Supplement Insurance, established to provide consumer awareness and education, marketing support and networking opportunities for professionals who market Medigap insurance.

The organization maintains the nation's largest online directory of local independent Medicare Supplement insurance professionals at www.medicaresupp.org or call AAMSI at 818-597-3205 for information.

Slome is a leading national advocate for consumer awareness and financial and insurance product education. He has authored over 25 comprehensive consumer books and guides, and recently established the National Advisory Center for Short Term Care Information. He is the author of the soon-to-be published Essential Guide to Short-Term Care Insurance Protection.

Image Available: http://www.marketwire.com/library/MwGo/2016/4/1/11G091419/Images/Slome-MedSupp-HigherRes-66211bbbebf2a91a90b790a8b673cd45.jpg

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2016 || Health Insurance Regulations

The Fee for not having health insurance...

Brought to you by: healthcare.gov

If you don't have Health Insurance: How much you'll pay

If you can afford health insurance but choose not to buy it, you must pay a fee called the individual shared responsibility payment. (The fee is sometimes called the "penalty," "fine," or "individual mandate.")

• You owe the fee for any month you, your spouse, or your tax dependents don’t have health insurance that qualifies as minimum essential coverage. See all insurance types that qualify.
• You pay the fee when you file your federal tax return for the year you don’t have coverage.
• In some cases, you may qualify for a health coverage exemption from the requirement to have insurance. If you qualify, you won’t have to pay the fee. Learn about health coverage exemptions.

Learn more about the individual shared responsibility payment from the Internal Revenue Service.

The fee for not having health insurance in 2016

The fee is calculated 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.

Percentage of income

• 2.5% of household income
• Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace

Per person

• $695 per adult
• $347.50 per child under 18
• Maximum: $2,085

Paying the fee

• Using the percentage method, only the part of your household income that’s above the yearly tax filing threshold ($10,150 for individuals, $20,300 for couples filing jointly in 2014, the most recent year available) is counted.
• Using the per-person method, you pay only for people in your household who don’t have insurance coverage.
• If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all. Learn about the “short gap” exemption.
• You pay the fee when you file your federal tax return for the year you don’t have coverage.

The fee in previous years

The fee for not having coverage in 2015

The penalty for 2015 is the higher of these:

• 2% of household income
• Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace

OR

• $325 per adult
• $162.50 per child under 18
• Maximum: $975

The fee for not having coverage in 2014

The penalty for 2014 is the higher of these:

• 1% of household income
• Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace

OR

• $95 per adult
• $47.50 per child under 18
• Maximum: $285

More answers: The penalty for not having health insurance

Link: If I'm unemployed, do I have to pay the fee?

What happens if I don't pay the fee?

The IRS will hold back the amount of the fee from any future tax refunds. There are no liens, levies, or criminal penalties for failing to pay the fee.