I am lucky, in that I live within walking distance of a good health centre, where I can consult my GP, have blood tests done and so on. I have also chosen a dentist within a reasonable distance by bus, and can usually fit shopping in with waiting time for a bus home.
Referrals to hospital, as and when necessary, or even getting to a vaccination centre are a problem, as the nearest hospitals are 35 and 45 kms away, and I do not drive. So, one has to remember to ask for an appointment that fits with the bus timetables. This basically means asking for an appointment mid-morning, as the buses do not run before 7.25 in the morning, and one gets home late afternoon.
All we can do is decide, what is actually necessary - can you still cut your toe-nails yourself, or find a chiropodist who will come to your house?
I am healthy for my age, and know I am lucky and I do what I can to stay healthy and I think that is all one can do.
A possiblity could be to find dentist, choropodist, optician etc. in the same town and schedule appointments on the same day as far as possible.