Understanding the Medicare SHIP Program
When navigating the complexities of Medicare, having expert, unbiased help can make all the difference. That’s where the State Health Insurance Assistance Program (SHIP) comes in. SHIP provides free, personalized counseling and assistance to Medicare beneficiaries and their families. Whether you’re enrolling for the first time or reviewing coverage options, Understanding the Medicare SHIP Program can be a valuable resource.
What Is SHIP
SHIP stands for State Health Insurance Assistance Program. Funded by the federal government and administered at the state level, SHIP offers free, objective, and confidential help to people with Medicare.
Each state has its own SHIP, staffed by trained counselors who are not affiliated with insurance companies. Their goal is to help Medicare beneficiaries make informed decisions based on individual needs; not sales goals.
Medicare beneficiaries may use SHIP in conjunction with their Medicare agent to access additional support with Medicare issues such as:
What Services Does SHIP Provide
- Understanding Original Medicare (Parts A and B)
- Comparing Medicare Advantage (Part C) and Part D drug plans
- Reviewing Medigap (supplemental insurance) options
- Explaining Medicare Savings Programs and Extra Help
- Appealing Medicare denials and billing errors
- Transitioning from employer insurance to Medicare
- Understanding coverage for long-term care
SHIP can provide guidance tailored to each specific situation.
Who Can Use SHIP
SHIP services are available to:
- Current Medicare beneficiaries
- People turning 65 soon or new to Medicare
- Caregivers or family members assisting someone with Medicare
- Individuals under 65 who qualify for Medicare due to a disability
There is no cost for SHIP counseling, and there is no pressure to choose a specific plan.
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How to Find SHIP Help
To contact your local SHIP office, visit www.shiphelp.org and use the locator tool. You can also call 1-877-839-2675 to be directed to your state’s SHIP.
Appointments may be available by phone, in-person, or virtually; depending on location and preference.
Why SHIP Matters
For beneficiaries who do not have a trusted Medicare agent; Medicare can be overwhelming when you’re trying to choose the right plan for your needs or help a loved one through the process. SHIP counselors offer unbiased, trusted advice. They exist solely to help Medicare beneficiaries make informed choices and avoid costly mistakes.
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Those unsure about Medicare coverage, billing, or eligibility; or just need someone to walk through the options; SHIP is an excellent place to start.