Senior benefits in Montgomery County, Missouri
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Seniors in Montgomery County, Missouri have access to a wide range of benefit programs that can help with health care, housing costs, food, transportation, and more. The Northeast Missouri Area Agency on Aging (NEMO AAA) is a strong local starting point — it connects older adults and caregivers to services across the region. Other county-level resources include financial assistance through Hermann Area District Hospital for those who need help with medical bills, energy cost help through LIHEAP delivered locally by North East Community Action Corporation (NECAC), and rides through OATS Transit for seniors who need transportation. At the state level, programs like the Missouri Property Tax Credit, MO HealthNet for the Aged, Blind and Disabled, Missouri SHIP free Medicare counseling, and Senior Meals are available to eligible residents. Federal programs also apply here, covering areas like food, prescription costs, and veterans' benefits. Each program listing on this page includes its official source and the date it was last verified. The sponsoring agency always makes the final eligibility decision.
4
Local programs
17
Missouri programs
25
Federal programs
18
Categories
Last verified · October 8, 2026
Local starting point
Northeast Missouri Area Agency on Aging (NEMO AAA) — Missouri Area Agency on Aging network (DHSS Senior and Disability Services)
1-660-665-4682
See which of these Montgomery County programs you may qualify for.
Discover my benefitsHelping others? Print the Montgomery County benefits checklist — free to hand out.
When benefit rules change, it’s tracked here
Income limits, new requirements, how to apply — see what’s changed across senior benefit programs, from the official source in plain English.
Programs run in Montgomery County
Run by the county, its Area Agency on Aging, or another agency serving Montgomery County. Start here.
Elder Services in Montgomery County
Programs here typically provide services worth $500–$6,000 a year to an eligible household.
Area Agency on Aging (Northeast Missouri Area Agency on Aging (NEMO AAA)) — Montgomery
County · MissouriNortheast Missouri Area Agency on Aging (NEMO AAA) is the Area Agency on Aging for Montgomery County. It is the local starting point that connects older adults and caregivers to Region 5 Area Agency on Aging in Kirksville, serving 16 northeast Missouri counties. Programs include information and referral/assistance, in-home services, congregate and home-delivered nutrition, legal assistance, the long-term care ombudsman program, transportation (contracted with OATS Transit), caregiver resources and respite, advocacy, and an in-house wellness center. Site states: "NEMO AAA programs and services are available for anyone above the age of 60 or a caregiver who resides in the counties of Adair, Clark, Knox, Lewis, Lincoln, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, Schuyler, Scotland, Shelby, and Warren." The services list and the age-60 sentence quoted above both appear on the NEMO AAA home page (https://nemoaaa.org/), which is cited here because the deeper pages https://nemoaaa.org/services/ and https://nemoaaa.org/services-by-county/ rate-limit automated fetchers (HTTP 429) and 403 plain fetchers; they load normally in a browser. Most services are for adults 60 and older; adults with disabilities may also qualify for some services. Call 1-660-665-4682 to get started.
Estimated service value: $500–$6,000 a year
Energy Assistance in Montgomery County
Programs here typically lower an eligible household's bills by $300–$1,000 a year.
Energy Assistance (LIHEAP) — Montgomery
County · MissouriMissouri's Energy Assistance and Energy Crisis Intervention programs (LIHEAP) help income-eligible households in Montgomery County pay heating and cooling bills and resolve utility emergencies. The DSS Family Support Division funds the program, and North East Community Action Corporation (NECAC) takes applications for this county. Winter and summer components run on their own seasons while funds last. Call 1-573-564-4002 to apply.
Estimated bill savings: $300–$1,000 a year
Healthcare in Montgomery County
Hospital Financial Assistance (Hermann Area District Hospital) — Montgomery
County · MissouriUninsured and underinsured residents of Montgomery County can apply for financial assistance (charity care) at Hermann Area District Hospital for emergency and medically necessary care. Discounts are based on household size and income compared with the Federal Poverty Level. Nearest district hospital to southern Montgomery County (Montgomery County has no hospital of its own). Page describes a "Financial Assistance/Sliding Fee Discount Program based on family size and income to ensure that patients have access to primary care services regardless of their ability to pay." Hospital main line (573) 486-2191; financial assistance 573-486-2169.
Estimated bill savings: about $0 a year
Transportation in Montgomery County
Programs here typically provide services worth $150–$1,500 a year to an eligible household.
Public Demand-Response Rides (OATS Transit) — Montgomery
County · MissouriOATS Transit serves Montgomery County. OATS Transit is a shared-ride, demand-response public transportation service covering 87 rural Missouri counties. Reservations are taken 7:00 am to 4:00 pm (next-day service must be requested by 1:00 pm). Fares are paid in advance from a rider account: add funds by credit or debit card ($10.00 minimum when adding funds by phone), or mail a personal check, money order, or cashier's check to the OATS Transit office. Drivers do not accept payment on the bus. Montgomery County routes: Warrenton every Wednesday. Fares $2.00 in-town / $3.00 county / $4.00 adjacent county. InterCity routes: Hwy 19 & I-70 from Wellsville to St. Charles on the 1st, 3rd and 5th Friday, and Hwy 19 & I-70 from Jonesburg to Columbia on the 2nd Friday ($10.00 round trip, appointments 10am-2pm). Pickup points: Montgomery City Senior Center (138 S Allen), New Florence (Jct 19 & I-70 McDonald's) and the Jonesburg commuter lot. OATS Transit is open to riders of any age — the page for this county states it is 'available to anyone regardless of age, income, disability, race, gender, religion, or national origin'. Fares are listed above, but riders age 60 and older — and riders with disabilities — who travel under the Area Agency on Aging contract do not pay a set fare. They are asked to contribute what they can instead. Ask about the AAA contract when you book. Call ahead, as rides are scheduled in advance. Call 660-415-0901 or 800-654-6287 for schedules, fares, or to book a ride.
Estimated service value: $150–$1,500 a year
Local agencies serving Montgomery County
Who runs the county programs above, and how to reach them. Every line comes from a program record on this page — nothing is added that the catalog does not cite.
Northeast Missouri Area Agency on Aging (NEMO AAA)
Runs: Area Agency on Aging (Northeast Missouri Area Agency on Aging (NEMO AAA))
Hermann Area District Hospital
Runs: Hospital Financial Assistance (Hermann Area District Hospital)
Missouri and federal programs
Open to eligible households in Montgomery County and across the rest of Missouri. Full details are on the Missouri benefits page.
Money & income3 programs
Cash paid to you, and emergency help when money runs short.
Health & Medicare costs9 programs
Medicaid, Medicare savings, and help with drug and doctor bills.
- Medicare Savings Programs (QMB / SLMB / QI-1) — Missouri
- MO HealthNet for the Aged, Blind & Disabled (MHABD)
- MO HealthNet Spend Down
- Missouri SHIP — Free Medicare Counseling (formerly CLAIM)
- Extra Help (Part D Low-Income Subsidy)
- Qualifying Individual (QI)
- Qualified Medicare Beneficiary (QMB)
- Specified Low-Income Medicare Beneficiary (SLMB)
- State Health Insurance Assistance Program (SHIP)
Food7 programs
SNAP (food stamps), meals, and farmers market coupons.
- Senior Farmers Market Nutrition Program — Missouri
- Senior Meals — Home-Delivered & Congregate (Missouri)
- Commodity Supplemental Food Program (CSFP) Senior Food Box
- Congregate Meals at Senior Centers
- Home-Delivered Meals (Meals on Wheels)
- Senior Farmers' Market Nutrition Program (SFMNP)
- SNAP (Supplemental Nutrition Assistance Program) for Seniors
Home, bills & taxes9 programs
Help with heating and electric bills, rent, property taxes, and home repairs.
- LIHEAP — Energy Assistance & Energy Crisis Intervention (Missouri)
- Weatherization Assistance Program — Missouri
- Missouri Property Tax Credit (Circuit Breaker)
- Social Security State Income Tax Exemption — Missouri
- Federal Lifeline
- Weatherization Assistance Program (WAP)
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)
- Housing Choice Voucher (Section 8)
- HUD Section 202 Supportive Housing for the Elderly
Care at home & long-term care6 programs
Help staying in your home, nursing home alternatives, and support for family caregivers.
Help, advice & legal5 programs
Free counseling, legal help, rides, and other senior services.
Veterans3 programs
Benefits for veterans and their surviving spouses.
Nearby counties
Local programs differ from one county to the next. If you live near a county line, or you are helping a parent who lives in one of these, it is worth checking there too.
Not legal or financial advice. The agency makes the final eligibility decision.
