Your 60s and beyond are a time to enjoy everything you’ve built. Focus on your health, independence and doing what brings you fulfillment. Preventive care, social connection and staying active all play a key role in helping you thrive.
Your 60s are about maintaining the muscle, balance and stability that help you keep doing what you love. Prioritize daily movement, functional strength and gentle joint care so your body stays dependable, capable and ready for the adventures ahead.
And, remember, post-menopause health isn’t about bouncing back; it’s about staying energized and maintaining bone density and muscle mass. Nutrition, weight-bearing exercise and preventive screenings all play a role in staying strong and steady.
Focus on routines that help you feel balanced, like hydration, consistent sleep, good nutrition and pacing yourself with intention.
Use prevention to stay in control. Routine screenings, preventive care and a trusted primary care relationship help you catch concerns early and make informed choices with confidence.
Talk to your primary care provider (PCP) about the vaccinations and screenings they recommend for you. At this age, you should discuss:
Your body is your foundation for the years ahead. Protect it, support it and plan for change. Focus on:
Available to employees and family members:
Employees also have access to the following services, available at no cost:
Joy has a direct impact on longevity and overall well-being. Whether you’re spending time with family, volunteering, traveling or simply savoring quiet moments, treat joy as a core part of your wellness routine, not an afterthought. Work what brings you joy into your daily routine, especially as you prepare to retire. The following resources can help:
Available to employees and family members:
Call Spring Health for:
TIP
Spring Health also offers a library of on-demand digital content, including short meditations and exercises to help with stress, focus, burnout, mindfulness, loneliness and more.
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General Support & Guidance |
Crisis Support |
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855.629.0554, press 3 You can also email careteam@springhealth.com |
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Employees also have access to the following services, available at no cost:
In a Crisis?
Don’t wait! Call or text 988 to connect with the national Suicide & Crisis Lifeline right away. Text AYUDA for help in Spanish. Immediate support is available 24/7.
Call or text 211 to connect with Texas Health and Human Services to find local resources.
Your 60s are not about slowing down—they’re about preparing for what’s next. Retirement is more than just a date on the calendar. Take the time to plan so you can move forward prepared, empowered and confident in the choices you make. Review the information below and refer to Retiring or Leaving Memorial Hermann for step-by-step instructions on what you need to do to retire.
Decide What Works for You
Understand your monthly budget. When you retire, you will no longer receive a paycheck. Take some time now to calculate how much money will be coming in versus what you’ll be paying out.
Review your payment options through the Memorial Hermann Retirement Savings Plan, Memorial Hermann Cash Balance Pension Plan (if eligible) or other retirement accounts you’ve built over time. The best way to understand your options is to use the online calculators and personalized planning support offered by the plan administrator. Visit the Retirement Planning page for information on the Memorial Hermann plans and resources available to help you make informed decisions.
Decide when to begin receiving your Social Security benefit. You can begin collecting Social Security benefits at age 62, with a reduced monthly benefit. Full retirement age, to receive your full benefit, is typically age 67 for those born in 1960 or later.
Explore how your healthcare coverage changes when you retire. If you’re covered by a Memorial Hermann medical plan through Aetna, your coverage ends on the last day of the month in which you retire. If you retire prior to becoming eligible for Medicare, you’ll be offered the opportunity to continue your active coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA) for a specific period of time at a higher cost than your current premiums. You may also be able to purchase coverage on the open market, so it’s important to compare your options, costs, provider networks and prescription drug coverage before making a decision. Visit HealthCare.gov to find, compare and enroll in market coverage. The state of Texas offers individual health insurance plans. Visit getmehealthinsurance.gov for details.
As you approach age 65, enroll in Medicare. Medicare is federal health insurance primarily for people age 65 or older. Your initial enrollment period begins 3 months before you turn 65, beginning your 7-month window to enroll. Delaying enrollment can result in permanent penalties, unless you continue to have qualifying coverage through Memorial Hermann or another employer.
Consider how to supplement your Medicare coverage. When you become eligible for Medicare, you choose one of two paths: a Medicare Advantage Plan or Original Medicare paired with a Medicare Supplement Plan. The right choice depends on your health needs, budget and preferences. The following resources are available to help you choose:
What Is Social Security?
Social Security is a foundational part of retirement income for any woman. It’s designed to provide a baseline of guaranteed income for life; not replace your full paycheck. It works alongside your personal savings, retirement accounts (like the Memorial Hermann 403(b) and 401(k)) and any other sources of income.
What Does Medicare Cover?
Original Medicare helps cover hospital care, doctor visits, preventive services and prescription medications. It doesn’t cover all costs, though. Most people will have premiums and out-of-pocket expenses. Refer to the Medicare & You guide for more information.