Summer Allergies vs. Colds: How to Tell the Difference and What Medicare Covers

When summer arrives, so do sneezing, sniffles, and scratchy throats. For many seniors, it’s hard to tell whether they’re experiencing seasonal allergies or a summer cold. While the symptoms may seem similar, the causes — and treatments — are very different. At BroadZero, we help Philadelphia seniors make sense of their symptoms and understand how Medicare can help cover the care they need to stay well all summer long.

How to Tell the Difference Between Allergies and Colds

Colds are caused by viruses and are typically contagious, whereas allergies are immune system responses to environmental triggers like pollen, mold, or grass. One of the biggest differences between the two is the presence of fever or body aches, which are common with colds but rare with allergies.

Allergy symptoms usually include:

• Sneezing
• Itchy or watery eyes
• Runny or stuffy nose
• Itchy throat or ears
• Symptoms that last several weeks or come and go based on exposure

Cold symptoms often involve:

• Runny or congested nose
• Sore throat
• Cough
• Mild fatigue or body aches
• Symptoms that develop gradually and typically go away within 7 to 10 days

If your symptoms worsen outdoors or around pets, and there’s no fever or body ache, allergies are likely the cause. On the other hand, if you feel achy, fatigued, and develop a sore throat suddenly, you might be catching a cold.

Treatment Options for Seniors

For seasonal allergies, treatments include:

• Antihistamines (prescription or over-the-counter)
• Steroid nasal sprays
• Decongestants
• Allergen avoidance and indoor air purification
• Allergy testing and immunotherapy (allergy shots) if symptoms are severe

For colds, treatment is usually supportive:

• Rest and hydration
• Over-the-counter cold remedies
• Warm teas and throat lozenges
• Doctor-prescribed medications if a secondary infection (like bronchitis) develops

What Does Medicare Cover?

Medicare can help cover both allergy-related and cold-related care under certain conditions:

• Doctor visits: Covered by Medicare Part B for evaluation and treatment of symptoms.
• Allergy testing and shots: Covered when deemed medically necessary by a doctor.
• Prescription medications: If you have Medicare Part D, many antihistamines and cold-related prescriptions are covered.
• Over-the-counter medications: While Original Medicare doesn’t cover OTC drugs, many Medicare Advantage plans offer OTC allowances for common allergy and cold products.

BroadZero can help you review your plan to see if you qualify for these extra benefits or find a plan that better fits your seasonal needs.

When to See a Doctor

Seniors should seek medical attention if symptoms persist beyond 10 days, worsen over time, or are accompanied by high fever, chest pain, or shortness of breath. If you have asthma or other chronic respiratory conditions, even mild allergy or cold symptoms can escalate quickly.

Conclusion

Understanding whether you’re facing a summer cold or allergies can help you feel better faster and avoid unnecessary treatments. With Medicare coverage and the expert guidance of BroadZero, seniors in Philadelphia can confidently manage their health this season. Contact us today for a free Medicare plan review and personalized support.