SHIP — State Health Insurance Assistance Program

Free, unbiased Medicare counseling in every state, administered by ACL through state grantees and delivered by trained volunteer counselors. Helps caregivers and Medicare beneficiaries understand plan options (Original Medicare, Medicare Advantage, Part D), screen for Low Income Subsidy and Medicare Savings Programs, appeal claims, and navigate Medicare enrollment periods. A core caregiver task and present at most ADRCs.

Free one-on-one Medicare counseling at no charge: (1) Medicare plan comparison — Original Medicare vs. Medicare Advantage, Part D drug plans, Medigap/supplemental plans; (2) LIS and MSP screening — Extra Help for Part D drug costs, Medicare Savings Programs (SLMB, QMB, QDWI) that pay premiums and cost-sharing; (3) Appeals assistance — Medicare claims, prior authorization, and coverage denial appeals; (4) Enrollment period guidance — Initial Enrollment Period, General Enrollment Period, Special Enrollment Periods for late enrollment penalties; (5) Coordination of benefits — Medicare + Medicaid, Medicare + employer coverage. SHIP counselors are trained volunteers who do not sell plans. Find your state SHIP at shiphelp.org or 1-877-839-2675. Available in all 50 states, DC, Puerto Rico, Virgin Islands, Guam, and American Samoa.

Some details for this program are still being verified. Check the official source for the most current information.

Services

Free one-on-one Medicare counseling at no charge: (1) Medicare plan comparison — Original Medicare vs. Medicare Advantage, Part D drug plans, Medigap/supplemental plans; (2) LIS and MSP screening — Extra Help for Part D drug costs, Medicare Savings Programs (SLMB, QMB, QDWI) that pay premiums and cost-sharing; (3) Appeals assistance — Medicare claims, prior authorization, and coverage denial appeals; (4) Enrollment period guidance — Initial Enrollment Period, General Enrollment Period, Special Enrollment Periods for late enrollment penalties; (5) Coordination of benefits — Medicare + Medicaid, Medicare + employer coverage. SHIP counselors are trained volunteers who do not sell plans. Find your state SHIP at shiphelp.org or 1-877-839-2675. Available in all 50 states, DC, Puerto Rico, Virgin Islands, Guam, and American Samoa.

How to apply

Apply online or find more information at the official program page.