Cell Phones for Seniors on Medicare – What You Should Know

Medicare is a federal program that pays for the medical expenses of senior citizens from the trust funds they’ve contributed to through work in the past. Many people use it to cover their doctor’s visits and hospital stays, and sometimes, it will also help with prescriptions. 

However, there could be other perks to having Medicare. A free cell phone for seniors is highly beneficial and quite important. Seniors often live alone and might need extra help. Though a landline can be helpful, it might not be enough. With a cell phone, you can call whether you’re in the bathroom, on the floor (if you have it with you), or out and about.

Today, you’ll learn about the programs available that provide a free cell phone for Medicare patients. This includes what they are, how they work, the eligibility requirements, and much more. Let’s get started!

Benefits of Having a Cell Phone as a Senior on Medicare

Here are the benefits of a senior on Medicare having a cell phone:

  • Enhanced Communication and ConnectivityIt’s easy to feel isolated when you’re older. You may not get out as much as you used to, but you can still talk to others and be connected to them when a situation arises.

  • Access to Healthcare Services and TelehealthMany healthcare services are available online, and Telehealth is becoming the wave of the future. You can speak to a doctor or nurse about your ailments, often getting prescriptions without having to visit the office.

  • Support for Independent Living and SafetyCell phones give seniors a sense of independence and security. You’ll always feel safe because you can call when you have a problem. Likewise, you may choose a phone that offers features like GPS tracking, emergency alerts, access to caregiver support, and more.

  • Social Connection and Staying Connected with Loved OnesGetting older often means not going places or staying home more frequently. However, you can still connect with your loved ones by calling or texting. Likewise, most programs have smartphones, so you could use social media and get the social connection you crave without having to leave the house.

Understanding Medicare Cell Phone Programs

The two most popular Medicare cell phone programs include ACP and Lifeline. We’ll look at each of them in-depth below:

What Are the Lifeline Program and the ACP Program?

The ACP (Affordable Connectivity Program) isn’t limited to seniors alone. It’s an FCC benefit program ensuring that households can afford communication tools for healthcare, school, and work.

It offers a discount of $30 or less per month for internet services. Eligible households might also get a discount of $100 (one time only) to buy a desktop computer, laptop, or tablet from a participating provider.

In a sense, ACP focuses more on internet connectivity than it does phones. However, you can use this service in conjunction with the Lifeline program.

Lifeline is also an FCC program focused on making communications services affordable for those on a low income. You must subscribe, and you’ll get a discount on your monthly broadband internet service, telephone service, or a bundled package purchased from a participating provider.

Your discount could be up to $9.25 off a service, and it works on either a wireless or wired device. However, you cannot get a discount on both simultaneously.

Eligibility Criteria for Seniors to Qualify for Medicare Cell Phone Programs Through ACP and Lifeline Programs

If you are considering using ACP, you should be aware of the eligibility criteria required. You’re eligible for this program if your household income is below or at 200 percent of the Federal Poverty Guidelines, which is $14,580 for a one-person household. Alternatively, one member of your family could meet one of these criteria:

  • Received Federal Pell Grants during the current year

  • Meets eligibility requirements for another low-income program

  • Uses any of these programs:

    • SNAP

    • Free or reduced-price school lunch/breakfast programs

    • Federal housing assistance

    • Medicaid

    • WIC

    • SSI (Supplement Security Income)

    • Lifeline

    • Veterans Pension/Survivor Benefits

You’re not automatically eligible to receive Lifeline support if you’re on Medicare. You can apply by demonstrating a modest income, which is below or at the poverty threshold in your state. Likewise, you can only get one Lifeline discount per house.

There are other eligibility criteria to meet, including:

  • Being 65 years or older

  • Being under 65 years old with a disease or disability

  • Being a citizen with ESRD (end-stage renal disease) or permanent kidney failure and being on the list for transplant or taking dialysis

  • Receiving Social Security for 24 months prior to applying

  • Having Lou Gehrig’s disease

  • Receiving a disability pension from the RRB (Railroad Retirement Board)

In some cases, you might be eligible, even if your income is considered too high. This applies when you’re participating in a federal aid program, such as public housing assistance, SSI, Medicaid, or SNAP.

Required Documentation and Verification for Application

The required documentation you’ll need for the application will vary based on your situation. You’ll have to show proof of income, such as Social Security Disability/Income checks, pay stubs from a job, and more. Likewise, you’ll prove you’re getting federal aid and might be required to submit medical documents showing that you have a disease if you’re under 65 years old.

In most cases, you will need your Social Security Number, driver’s license, or another government-issued ID, and proof of address.

Application Process for ACP Program and Lifeline Program

To apply for a cell phone for Medicare recipients, you should follow these steps:

  • Check your income against the current poverty levels or see if you’re eligible because of a disease or federal aid.

  • Research the participating communication providers available in your area or state.

  • Visit the provider’s website and fill out the application provided.

  • Submit your application and the required paperwork by mail, phone, or online. You’ll need proof of income and your photo ID. In most cases, you can fax the information, make copies and mail them, or take photos with your smartphone. If you use a desktop or laptop, you might have to take the pictures, send them to yourself, and then upload them.

  • Wait until your cell phone is delivered after your provider has confirmed the application. It could take a week or more, depending on the provider you choose.

Features to Look for in Senior-friendly Cell Phones

When you choose your senior-friendly cell phone, it’s important to consider the features you want. Here are a few things you may wish to focus on:

  • Battery Life and LongevityYou want to ensure the battery lasts a long time between charges. Even if you don’t frequently use it, the phone will die if it’s not charged. Often, senior citizens forget to do this.

  • Monitoring Features for Health and SafetyMake sure you get a cell phone that offers a monitoring feature, especially if you have health problems or live alone.

  • Emergency and Health-related FeaturesSeniors need cell phones with appropriate features. If an emergency happens, voice assistance and an SOS button can be crucial. Luckily, many of the phones offer such services.

  • Easy-to-use Design and User InterfaceVision and hearing problems are common for seniors. Therefore, you need a simple-to-use and practical cell phone. It should have a powerful speaker, a large screen, large icons, and large text.

Top Discounted Cell Phone Providers for Seniors on Medicare

Here is a list of the top providers offering Medicare cell phone plans:

American Assistance

American Assistance might be called American Broadband and Telecommunication in your area. Regardless, both names refer to the same provider.

This is a respected and well-known wireless operator offering free cell or smartphones to qualified applicants. It’s available in many regions, and users receive 4.5 GB of data, unlimited texts, and 500 calling minutes.

Each state has different eligibility requirements for American Assistance. However, you could qualify if you’re part of these government programs:

  • Medicaid or Medi-Cal

  • Food stamps, SNAP, or CALFRESH

  • Federal Veterans/Survivors Pension Benefits

  • Section 8 (Public Housing Assistance)

  • SSI (Supplemental Security Income)

  • LIHEAP (Low-income Home Energy Assistance)

Safelink Wireless

Safelink Wireless offers stable networks and nationwide coverage in most states. California, Texas, Wisconsin, and Missouri are just a few. You’ll get a free cell phone, 350 talk minutes, a SIM card, and unlimited text messaging if you’re eligible. Likewise, there are tons of other features, such as voicemail, three-way calling, and caller ID.

Eligibility requirements for this service provider are similar to the ones for the Affordable Connectivity Program. However, the offers available will vary by state, so you’ll have to visit the website to learn more.

Q Link Wireless

Q Link Wireless offers network coverage in over 97 percent of the United States, so it’s a popular choice among seniors everywhere. You could get a free cell phone, but you’ll also receive unlimited texting, data, and minutes. The mobile devices available include Alcatel, Samsung, Motorola, LG, and HTC.

In most cases, you’ll have to pay at least $10.01 for the new device. Likewise, it’s through the Lifeline program, so you must be eligible for that to use this service provider.

Cost Associated with Medicare Cell Phone Programs

You should be aware of the costs and fees associated with these Medicare cell phone programs. Typically, you will pay some for the phone itself and will generally get free minutes, texting, and data.

Some Medicare cell phone plans will charge you extra if you go over the limits. For example, you receive 4.5 GB of data, but you use 5 GB. You’ll have to pay for that overage.

Lifeline and ACP offer discounts (up to $9.25 and up to $30, respectively) on the cell phone usage. You’ll then have to find a provider accepting the discounts, and you learned about the top three earlier.

Typically, the provider will offer a free phone, though you might have to pay at least $10.01 as a “copayment.” From there, you will be subject to the limitations and restrictions of the plan you choose.

Often, providers allow you to bring your own phone to their networks. This can be beneficial if you already have one.

Porting Existing Phone Numbers to Medicare Cell Phone Programs

Do you already have a cell phone and wish to keep your current number? It’s possible! The process varies based on the provider you choose.

In most cases, you will sign up with the provider and get approved. During the process, there will be a chance to keep your current phone number. You may have to call customer support for assistance in switching phones or numbers.

There are a few requirements to consider for number portability:

  • Your current phone number can’t have any other people or accounts associated with it. This means you’ll have to close your existing account.

  • Your number must be available on the current network.

Technical Support for Seniors

Getting a Medicare cell phone for seniors is often a simple process, but many older people aren’t as familiar with the technology. Therefore, they might have questions or issues when setting up their cell phones.

You can find support online by searching for help, but it’s often easier and more comfortable to talk to a live person. Ask your family members or friends if they know what to do. Otherwise, you will contact the customer service department of the service provider you choose.

Here are a few resources to help:

Limitations and Restrictions on Medicare Cell Phone Services

Each state and service provider is different, so you’ll have to check availability in your area. In most cases, you’ll do that by visiting the provider’s website and inputting your Zip code or address.

It’s also important to understand the usage and coverage limitations of the provider and phone. Usually, you’re given a set amount of texts, data, and minutes to use. Some are unlimited, but most have caps. You’ll be expected to pay for any overages.


There are many benefits of Medicare cell phone programs for seniors, such as affordable communication, easy access to healthcare, support for your independent lifestyle, and more.

You learned about the programs available, including ACP and Lifeline. Likewise, we covered the eligibility requirements for each one and how to handle the application process.

It’s up to you to choose a program that meets your needs. Consider exploring your options and choosing from one of the top three providers listed in this article!