You’ve spent a lifetime working hard and paying your dues, and you’re ready to make the most of your golden years.

But when it comes to Medicare, it can feel like you need a PhD just to figure out what’s covered and what’s going to cost you an arm and a leg.

Here’s some good news: there are actually a number of valuable services you can get through Medicare that won’t cost you a dime—no copays, no coinsurance, no deductible. Yes, you read that right: FREE.

Many people are unaware of them, which means they may be missing out on care that could make a real difference in their lives.

1. The Annual Wellness Visit: Your Personalized Health Roadmap​

Think of this as your yearly check-in with your healthcare team.

The Medicare Annual Wellness Visit isn’t a full physical exam, but it’s a chance to sit down with your doctor or nurse, review your health history, and create a personalized plan to keep you feeling your best.

You’ll talk about risk factors, update your list of medications, and set goals for the year ahead. Best of all, there’s no cost to you—just make sure your provider accepts Medicare.

Pro Tip: Your first wellness visit can’t happen until you’ve had Part B for 12 months, but after that, you can schedule one every year.

2. Vaccines: Stay Protected, Stay Social​

No one wants to spend flu season stuck in bed. Medicare Part B covers your annual flu shot, as well as the pneumococcal vaccine (to help prevent pneumonia) and the hepatitis B vaccine for those at higher risk.

These are all fully covered—no out-of-pocket costs if your provider takes Medicare.

Did You Know? Most other vaccines, like shingles and Tdap, are covered under Medicare Part D, so check your plan for details.

3. Cancer Screenings: Early Detection Saves Lives​

Medicare covers a range of cancer screenings at no cost, including mammograms, Pap smears, prostate cancer screenings, and colorectal cancer tests.

These tests are crucial for catching problems early, when they’re most treatable.

Ask Your Doctor: Eligibility and frequency can depend on your age, gender, and risk factors, so talk to your provider about what’s right for you.

4. Depression Screening: Because Mental Health Matters​

Feeling down isn’t just “part of getting older.” Medicare covers one free depression screening per year in a primary care setting.

Your doctor will ask you a few questions to check in on your mood and mental health. If you need more support, they can refer you to a specialist (note: follow-up care may have costs).

5. Diabetes Screenings: Stay Ahead of the Curve​

If you have risk factors like high blood pressure, obesity, or a family history of diabetes, Medicare covers up to two diabetes screenings per year at no cost.

These can include fasting glucose, A1C, and other approved tests.

Eligibility Check: You’ll need to meet certain criteria, so ask your doctor if you qualify.

6. Bone Density Testing: Keep Your Bones Strong​

Worried about osteoporosis? Medicare covers bone mass measurements (bone density tests) every two years for those at risk, or more often if medically necessary.

This test helps your doctor assess your risk for fractures and recommend treatments to keep your bones healthy.

7. Medical Nutrition Therapy: Food as Medicine​

If you have diabetes, kidney disease, or have had a kidney transplant in the last 36 months, you’re eligible for free medical nutrition therapy.

This includes an initial assessment, personalized nutrition counseling, and follow-up visits with a registered dietitian.

Why It Matters: Good nutrition can make a world of difference in managing chronic conditions.

8. Obesity Screening and Counseling: Support for a Healthier You​

If your body mass index (BMI) is 30 or higher, Medicare covers obesity screening and behavioral counseling at no cost.

This includes a BMI check, dietary assessment, and counseling to help you make healthy changes.

Small Steps, Big Results: Even modest weight loss can improve your health and quality of life.


Also read: Are you spending too much on Medicare? Here’s how to cut costs in retirement

9. STI Screenings and Counseling: No Judgment, Just Care​

Sexual health is important at every age. Medicare covers screenings for chlamydia, gonorrhea, syphilis, and hepatitis B, plus up to two face-to-face counseling sessions per year for those at increased risk.

These services are confidential and free if you qualify.

10. Alcohol Misuse Screening: Honest Conversations, Real Help​

If you drink alcohol but aren’t dependent, you can get a free annual screening to check for risky drinking habits.

Your provider will ask a few questions and, if needed, offer counseling or refer you for further help.


Also read: Medicare bill could protect home health care access for millions

A Few More Free Perks to Know About​

1. Tobacco Use Cessation Counseling: If you’re ready to quit, Medicare covers up to eight counseling sessions per year.
2. HIV Screening: Covered for those at increased risk, pregnant women, and anyone who requests it.
3. Cardiovascular Disease Screenings: Includes blood tests for cholesterol, lipid, and triglyceride levels.

Read more:

• Missing these Medicare deadlines could drain your wallet—here’s how to stay on track
• Why reviewing your Medicare plan every year could save you money and stress

Have you taken advantage of any of these free Medicare services? Did you find them helpful? Or maybe you have a tip for making the most of your coverage?