Senior benefits in Montgomery County, Iowa

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Seniors in Montgomery County, Iowa, can look to several local and state programs for help with daily costs and care. Connections Area Agency on Aging is the local starting point for services such as in-home support and family caregiver help. The Iowa HHS county office can help with programs like Medicaid and SNAP food assistance. Other local options include financial assistance at Montgomery County Memorial Hospital, LIHEAP energy assistance through West Central Community Action, and public transit and senior taxi fares through SWITA. Veterans can turn to the Montgomery County Commission of Veteran Affairs. Iowa also offers property tax credits, a retirement income exclusion, and free Medicare counseling through SHIIP. Federal programs may apply too. The page below lists each program with its official source and the date it was last verified. Keep in mind that the agency that runs each program makes the final decision on eligibility.

6

Local programs

20

Iowa programs

26

Federal programs

20

Categories

Last verified · October 22, 2026

Local starting point

Connections Area Agency on Aging

1-800-432-9209

See which of these Montgomery County programs you may qualify for.

Discover my benefits

Helping 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.

Benefit changes →

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 $200–$2,000 a year to an eligible household.

Area Agency on Aging services (Connections Area Agency on Aging) — Montgomery

County · Iowa

Connections Area Agency on Aging serves older adults and family caregivers in 20 counties in southwest and western Iowa, including Montgomery County. Its Information and Assistance specialists and Options Counselors help people find and apply for benefits such as Medicare Extra Help, Medicare Savings Programs, Medicaid, SNAP food help and LIHEAP energy help. Other services include case management for people age 60 or older who need help with at least two daily activities (such as bathing or dressing) so they can stay at home, senior center meals and home-delivered meals for people 60 and older, caregiver support and respite options, free Medicare counseling through SHIIP, and Solution Options for Seniors (S.O.S.), which helps pay for home repairs or changes for people 60 and older who own their home or live with a caregiver. Call toll free 1-800-432-9209. The Council Bluffs office (231 S. Main St.) and Sioux City office (2301 Pierce St.) take walk-ins Monday through Thursday, 8:00 a.m. to 4:00 p.m.; the Creston office (109 N. Elm St.) is by appointment.

Estimated service value: $200–$2,000 a year

How to apply →Official source →1-800-432-9209Last verified · October 21, 2026

Energy Assistance in Montgomery County

Programs here typically lower an eligible household's bills by $80–$800 a year.

LIHEAP energy assistance (West Central Community Action) — Montgomery

County · Iowa

In Montgomery County, West Central Community Action (WCCA) takes applications for LIHEAP, the Low-Income Home Energy Assistance Program. LIHEAP helps qualifying low-income Iowa homeowners and renters pay part of their main heating costs for the winter heating season. The amount is based on household income, household size, type of fuel, and type of housing. Applications open November 1 and end April 30. Contact the WCCA Montgomery County Outreach Office at 1201 Highland Ave., Red Oak (phone 712-623-2339). Outreach offices also offer energy crisis help.

Estimated bill savings: $80–$800 a year

How to apply →Official source →1-712-623-2339Last verified · October 21, 2026

General Assistance in Montgomery County

Iowa HHS county office — Montgomery

County · Iowa

The Iowa Department of Health and Human Services (HHS) lists an office for Montgomery County at 1109 Highland Ave, Suite A, Red Oak. Phone: 712-623-4838 or toll free 888-623-4838. This office also serves Page and Taylor counties. Iowa HHS says you can apply for SNAP food benefits and for Medicaid health coverage, including Medicaid for older adults and people with disabilities, at your local HHS office. You can also apply online through the Iowa HHS Benefits Portal, or apply for Medicaid by phone at 1-855-889-7985.

Estimated bill savings: about $0 a year

How to apply →Official source →1-712-623-4838 (toll free 1-888-623-4838)Last verified · October 21, 2026

Healthcare in Montgomery County

Hospital financial assistance (Montgomery County Memorial Hospital (MCMH, Red Oak)) — Montgomery

County · Iowa

Montgomery County Memorial Hospital + Clinics (MCMH) in Red Oak offers financial assistance based on the Federal Poverty Guidelines, and no patient is turned away because they cannot pay. To get help, complete a Financial Assistance Application and include all the supporting documents it asks for. Other options include paying in full, a payment plan, or AblePay. Call the MCMH Resource Counselor at 712-623-7274 with questions.

Estimated bill savings: about $0 a year

How to apply →Official source →1-712-623-7274Last verified · October 21, 2026

Transportation in Montgomery County

Programs here typically provide services worth $150–$1,500 a year to an eligible household.

Public transit and senior taxi fare (SWITA) — Montgomery

County · Iowa

Southwest Iowa Transit Agency (SWITA) is the public transportation system for all residents of Montgomery County and seven other southwest Iowa counties. On-demand rides are available Monday to Friday, 6 a.m. to 5 p.m. (not on holidays), and all vehicles are handicapped accessible. SWITA taxi service runs in Red Oak (7:30 a.m. to noon and 1 p.m. to 3:30 p.m., Monday to Friday). In-town taxi rides cost $3.00 one way for the general public, or $2.50 for riders 60 and older with a Connections Area Agency on Aging form. Medical transportation costs $35 per hour. Call 1-800-842-8065 to schedule a ride.

Estimated service value: $150–$1,500 a year

How to apply →Official source →1-800-842-8065Last verified · October 21, 2026

Veteran Benefits in Montgomery County

County veterans office and help (Commission of Veteran Affairs) — Montgomery

County · Iowa

The Montgomery County Commission of Veteran Affairs is the county veterans office. The Montgomery County Veteran Affairs office gives services and support to veterans in and around Montgomery County, with links for disabled veterans, veterans' employment and returning veterans. Visit the office at 105 E. Coolbaugh St., Red Oak, or call 712-623-3180.

Estimated cash: about $0 a year

How to apply →Official source →1-712-623-3180Last verified · October 21, 2026

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.

Iowa and federal programs

Open to eligible households in Montgomery County and across the rest of Iowa. Full details are on the Iowa 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.

Food6 programs

SNAP (food stamps), meals, and farmers market coupons.

Home, bills & taxes13 programs

Help with heating and electric bills, rent, property taxes, and home repairs.

Care at home & long-term care6 programs

Help staying in your home, nursing home alternatives, and support for family caregivers.

Help, advice & legal6 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.

← All Iowa counties

Not legal or financial advice. The agency makes the final eligibility decision.