9. RxSaver & GoodRx—Prescription Drug Savings

Discount: Up to 80% off prescription drug retail prices—works even if you have Medicare Part D

Where: GoodRx.com, RxSaver.com—show coupon at pharmacy checkout

Pro tip: Many retirees don’t realize these coupons can sometimes beat their Medicare Part D copay, especially for generics. Always check GoodRx before paying your Medicare price—you can use whichever is lower.

10. Silver Sneakers—Free Gym Membership

Discount: Free membership to thousands of gyms and fitness centers nationwide

Where: Included with many Medicare Advantage and Medigap plans—check your plan’s benefits

Pro tip: Over 15,000 locations participate in SilverSneakers. If your Medicare plan includes it, you’re paying for it whether you use it or not. Check eligibility at silversneakers.com—this benefit alone can be worth $400–$600/year.