Winter brings cozy mornings, family gatherings, and—for many—seasonal health challenges. Cold weather, shorter days, and indoor gatherings can increase the risk of respiratory illnesses, falls, and flare-ups of chronic conditions. The good news? Medicare covers many preventive and treatment services that help seniors stay healthy all season long.

This guide highlights how to use your Medicare benefits to protect your health during winter—plus practical ways to stay active, safe, and well.

Get Your Vaccinations

Cold and flu season can take a toll on older adults, especially those with chronic conditions. Fortunately, Medicare Part B covers several essential vaccines at no cost:

• Flu shot: Once per flu season.
• COVID-19 vaccine and boosters: Covered for all Medicare beneficiaries.
• Pneumococcal vaccines: Two doses to prevent pneumonia and related infections.
• Hepatitis B vaccine: For individuals at moderate or high risk.

Other important vaccines, such as shingles and tetanus (Tdap), are covered under Part D prescription plans. Staying current on these immunizations helps you avoid preventable illness.

Schedule a Winter Wellness Visit

Medicare’s Annual Wellness Visit (also covered by Part B) is a great way to check in on your overall health. It’s not a traditional physical exam but rather a personalized review of your:

• Health history and medications
• Vital signs (weight, blood pressure, etc.)
• Risk factors such as falls or depression
• Preventive care schedule for the year ahead

If you haven’t had your wellness visit yet, winter is an ideal time to schedule one.

Manage Chronic Conditions

Cold weather can worsen symptoms for conditions like arthritis, COPD, or heart disease. Medicare covers programs and screenings that help manage these effectively:

• Cardiac rehabilitation for those recovering from heart events.
• Pulmonary rehab for chronic respiratory conditions.
• Diabetes management and self-education programs.

These services help you maintain quality of life and independence during colder months.

Avoid Winter Hazards

Each year, thousands of older adults are hospitalized due to falls on icy sidewalks or household hazards. Medicare Part B covers physical therapy and fall-risk assessments that can strengthen balance and mobility. Some Medicare Advantage plans even include home safety benefits, like grab-bar installations or wellness check-ins.

Stay Connected and Mentally Well

Winter isolation can affect mental health. Medicare provides coverage for:

• Depression screenings(once a year).
• Telehealth visits for counseling or routine appointments.
• Therapy services under Part B when prescribed by your provider.

Staying connected—through social calls, online visits, or community activities—can improve overall well-being.

How Croft Insurance Can Help

At Croft Insurance, we help clients understand which Medicare benefits they can use to stay healthy all winter long. From preventive care to prescription drug coverage, our agents guide you in maximizing your plan’s benefits while preparing for next year’s needs.

Your health doesn’t take a holiday. Schedule your Medicare review with Croft Insurance today and make sure your coverage supports a healthy, happy winter.