Senior benefits in Saginaw County, Michigan
Seniors in Saginaw County, Michigan have access to a wide range of benefit programs that can help with everyday needs. Region VII Area Agency on Aging is a strong local starting point — it connects older adults to Older Americans Act Services covering meals, transportation, and more. The Saginaw County Community Action Committee offers Home Heating and Energy Assistance to help with utility costs, and STARS provides reduced-fare and paratransit rides for those who need them. Covenant HealthCare Financial Assistance may help with medical bills for qualifying residents. At the state level, programs like MI Choice Waiver, Home Help, MMAP Medicare counseling, and the Michigan Home Heating Credit add important layers of support. Federal programs — covering areas like food, prescription costs, and health coverage — also apply here. Each listing on this page includes its official source and the date it was last verified. The administering agency always makes the final eligibility decision.
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Local programs
17
Michigan programs
25
Federal programs
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Categories
Last verified · October 12, 2026
Local starting point
Region VII Area Agency on Aging
1-800-858-1637
See which of these Saginaw County programs you may qualify for.
Discover my benefitsHelping others? Print the Saginaw 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 Saginaw County
Run by the county, its Area Agency on Aging, or another agency serving Saginaw County. Start here.
Elder Services in Saginaw County
Programs here typically provide services worth $1,500–$6,000 a year to an eligible household.
Region VII Area Agency on Aging — Older Americans Act Services (Saginaw County)
County · MichiganRegion VII Area Agency on Aging serves older adults in Saginaw County. Services include home-delivered and congregate meals, in-home and personal care, caregiver support, Medicare and Medicaid counseling (MMAP), long-term care options counseling, and help applying for the MI Choice waiver. Adults age 60 and over, and adults with disabilities, can call 1-800-858-1637 to ask what help is available.
Estimated service value: $1,500–$6,000 a year
Energy Assistance in Saginaw County
Programs here typically lower an eligible household's bills by $200–$1,500 a year.
Home Heating & Energy Assistance — Saginaw County Community Action Committee (Saginaw County)
County · MichiganSaginaw County Community Action Committee delivers low-income energy assistance for Saginaw County, including emergency utility help, shutoff protection, and the Low Income Home Energy Assistance Program (LIHEAP). Apply for state energy help through MI Bridges, dial 211 for local referrals, or call SCCAC at 989-753-7741.
Estimated bill savings: $200–$1,500 a year
Healthcare in Saginaw County
Covenant HealthCare Financial Assistance (Saginaw County)
County · MichiganCovenant HealthCare in Saginaw offers financial assistance, also called charity care, for emergency and medically necessary services. Help is based on family size and household income. Covenant financial counselors can help complete the application. Call 989-583-2959 to ask about qualifying.
Estimated bill savings: about $0 a year
In this county: Financial assistance is based on family size and household income. Include all required documentation; incomplete applications are not processed. The hospital makes the final determination. Not legal or financial advice.
Transportation in Saginaw County
Programs here typically provide services worth $200–$1,200 a year to an eligible household.
STARS — Reduced Fare & Lift Paratransit (Saginaw County)
County · MichiganSTARS runs fixed-route buses and STARS Lift, a curb-to-curb door service for people who cannot use fixed routes. Riders age 60 and over, people with disabilities, and Medicare card holders ride fixed routes at half fare with a STARS Silver or Gold card or Medicare card. Call 989-907-4000 for a card application or to set up a Lift ride.
Estimated service value: $200–$1,200 a year
In this county: Half fare requires a STARS Silver/Gold card or Medicare card. STARS Lift is by appointment and prioritizes riders age 62+ and people with disabilities. Fares and rules are set by STARS and can change. Not legal or financial advice.
Local agencies serving Saginaw 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.
Saginaw County Community Action Committee (SCCAC)
Michigan and federal programs
Open to eligible households in Saginaw County and across the rest of Michigan. Full details are on the Michigan 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 Program (Michigan) — QMB / SLMB / QI
- Michigan Medicaid — Aged, Blind & Disabled (AD-Care)
- MI Coordinated Health (Medicare-Medicaid Integrated Plan, formerly MI Health Link)
- MMAP — Michigan's State Health Insurance Assistance Program (Medicare Counseling)
- 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)
Food6 programs
SNAP (food stamps), meals, and farmers market coupons.
- Senior Project FRESH / Market FRESH (Senior Farmers' Market Nutrition Program)
- 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.
- Michigan Home Heating Credit
- State Emergency Relief — Energy & Heat (LIHEAP) + MEAP
- Michigan Disabled Veterans Property Tax Exemption (Full Homestead Exemption)
- Michigan Homestead Property Tax Credit
- 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 care7 programs
Help staying in your home, nursing home alternatives, and support for family caregivers.
- Home Help Program (Medicaid Personal Care)
- MI Choice Waiver Program (Home & Community-Based Services)
- PACE — Program of All-Inclusive Care for the Elderly (Michigan)
- Michigan Veteran Homes (State Long-Term Care)
- Michigan Caregiver Support (Family Caregiver Services)
- PACE — Program of All-Inclusive Care for the Elderly
- National Family Caregiver Support Program (OAA Title III-E)
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.