Let’s Talk About Falls—and How to Prevent Them

Every year, millions of older Americans end up in the ER because of a fall.

It’s one of the biggest health risks we face as we get older. In fact, one out of every four people aged 65 and up will take a fall this year. That’s not just a statistic—it could be you, your spouse, a parent, or a neighbor.

The numbers are sobering: 

• In 2020, some 14 million older adults reported falling during the previous year. 
• Falls are the number one cause of injuries and injury-deaths among seniors. 
• Falls kill nearly 39,000 older Americans each year. 
• The percentage of older adults who reported falling for each state ranged from 19.9% (Illinois) to 38.0% (Alaska). 

Even if a fall doesn’t take your life, it can still take your independence.

A broken hip, a head injury, or even just the fear of falling again can lead to a loss of mobility, confidence, and overall quality of life. Beyond the bruises and fractures, a fall can start a cycle of inactivity and decline. You stop going out, stop exercising, and suddenly you’re weaker, more isolated, and more likely to fall again.

But I do have some good news: Most falls can be prevented. And the sooner you take a few simple steps, the better your chances of staying active, independent, and out of the hospital.

Fall Prevention Programs

That’s why fall prevention programs are so helpful.

They’re not just for people who’ve already had a fall. They’re for anyone who wants to stay steady on their feet and keep living life on their own terms.

Most fall prevention programs focus on a few key things:

• Simple exercises to build balance and strength
• Home safety tips and adjustments
• Medication checkups to reduce side effects like dizziness
• Vision and hearing checks to make sure your senses are helping, not hurting, your balance
• Good info to help you make smart changes

You don’t need to go it alone: Many state or county health departments have fall prevention programs. To find them, search the Eldercare Locator, or call 800-677-1116. You can also contact your local Area Agency on Aging to find a fall prevention program in your area.

Medicare Advantage Fall Prevention Programs

If you have Medicare Advantage, some plans also have fall prevention programs.

And some plans even help you pay for medically necessary home modifications, which may help keep you out of the hospital.

For example, if you have mobility problems, you may be able to have a contractor install grab bars, handles, ramps, and even have a chairlift installed in your stairwell at home.  

Health Savings Accounts and Home Modifications

If you have a health savings account, you can also tap that fund, tax-free, to pay for certain medically necessary home modifications. 

Fall Prevention Tips

These are things you can do right now—today—to reduce your risk of falling. 

Keep Moving!

• Take a daily walk, even if it’s short. Movement builds strength and confidence.
• Join SilverSneakers, if your Medicare plan includes it. Or join the Y or a gym near you. Ask about senior-focused classes. 
• Don’t shy away from light strength training—it helps with stability.
• If you’re not sure where to start, ask your doctor or local senior center. 

Make Your Home Safer

• Get rid of loose rugs and clutter in walkways.
• Install grab bars in the shower and next to the toilet.
• Put non-slip mats in the bathroom and kitchen.
• Keep stairs and hallways well-lit. Add nightlights to bedrooms and bathrooms.
• Make sure railings are sturdy. If you have stairs, consider putting railings on both sides.
• Store everyday items where you can reach them without bending or climbing.
• Tack down loose carpets
• Put a bell or a brightly colored collar on dogs that may get under foot and cause you to trip

Work With Your Doctor

• Get your eyes and ears checked once a year. Your balance depends on both.
• Ask your doctor for a fall risk assessment. Tell your doctor you are concerned about possibly falling and want to address your risk factors. 
• Talk to your doctor or pharmacist about any medications that make you feel sleepy, lightheaded, or unsteady.
• Stay hydrated and eat a balanced diet. Dizziness often starts with dehydration or low blood sugar.
• Manage any long-term health conditions like diabetes or arthritis. These can affect your movement more than you realize.

Dress for Success

• Wear shoes with good support and non-slip soles. Skip the backless slippers and socks on hardwood floors.
• Use a cane or walker if you need it—there’s no shame in staying safe.
• Make sure your clothing doesn’t drag on the ground or cause you to trip.
• Wear appropriate shoes in icy weather. 
• Cold climates are a huge risk factor when it comes to falling. Don’t go out on ice if you can possibly avoid it. 

Plan for “Just in Case”

• Consider a medical alert system with fall detection. These are smart gadgets that call for help if you fall and can’t reach the phone.
• Keep your cell phone in your pocket, especially if you live alone.
• Let friends or family know if you’ve been feeling a little unsteady lately. You don’t have to go through this alone.

Final Thoughts: You Don’t Have to Wait for a Fall to Make a Change

Here’s the truth: falls aren’t just something that “happens” with age.

They’re often the result of the cumulative effect of multiple seemingly tiny risk factors – adding up to a big risk!

The good news is, even small changes can make a big difference when it comes to risk reduction.

If your Medicare plan includes extras like a home safety evaluation, gym membership, or help paying for assistive devices, take advantage of those benefits. If you’re not sure what your plan covers—or if you’re thinking about switching during enrollment—reach out. That’s what we’re here for.

My Personal Benefits Managers and I are all here to help ensure you stay in the very best Medicare supplement, Medicare Advantage, or health sharing plan for your needs. And to help you get the most possible value out of whatever plan you choose.

Here’s to your health and wealth,

Wiley P. Long, III
President – MediGap Advisors

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