How to Lower Your Phone and Internet Bill

Many older adults pay for more than they use. A few phone calls can bring that bill down.

By the Senior Dime editorial team · Updated October 2026

Dottie’s take: If you haven’t called your phone company this year, you’re probably paying the “didn’t call” tax.

Phone and internet bills tend to creep up over time. Promotional prices expire, fees get added, and you may be paying for features you never use. Here is how to fight back.

1. Ask about 55+ plans

Several wireless carriers offer plans for customers 55 and older that cost less than standard plans. Call your carrier or visit a store and ask what is available.

2. Check if you qualify for Lifeline

Lifeline is a federal program that lowers the monthly cost of phone or internet service for eligible households. You may qualify if you receive benefits like SNAP, Medicaid, SSI, Federal Public Housing Assistance or the Veterans Pension, or based on your income. Learn more on the FCC’s website at fcc.gov/lifeline-consumers.

3. Look at what you actually use

Check how much data you use each month. If you are mostly on home Wi-Fi, a smaller, cheaper plan may be all you need.

4. Drop the extras

Review your bill line by line. Insurance on an old phone, a home phone line you never use, or extra TV channels can often be cancelled.

5. Call and ask for a better price

Call your provider and say: “I’m reviewing my bills. Is there a lower-cost plan or a promotion you can offer me?” Be polite and patient — many people get a lower rate just by asking.

This guide is for general information only. Program rules, dates and amounts can change and may vary by state. Please confirm details with the official program or a trusted advisor.