What to Know About State Health Insurance Assistance Programs (SHIP Programs)

What is a State Health Insurance Assistance Program?

State Health Insurance Assistance Programs (SHIPs) are nationwide, state-based, public or private non-profit programs designed to provide unbiased information and assistance to Medicare beneficiaries, their families, and caregivers as they navigate the Medicare program and make informed choices about their health insurance coverage. SHIP counselors provide free and confidential Medicare information, counseling, and assistance year-round.

What are the services provided by SHIPs?

SHIPs offer a wide range of services, including:

* Basic Medicare counseling, including information about Medicare Parts A, B, C, and D

* Assistance with Medicare enrollment and coverage decisions

* Help with submitting Medicare claims and resolving billing disputes

* Information about long-term care insurance and other health insurance options

* Advocacy on behalf of Medicare beneficiaries

* Workshops and presentations on Medicare topics

Who is eligible for SHIP services?

SHIP services are available to all Medicare beneficiaries, their families, and caregivers, regardless of income or assets.

How can I contact my local SHIP?

You can contact your local SHIP by calling 1-800-MEDICARE (1-800-633-4227) or visiting the SHIP website at medicare.gov/ship.

Additional information

SHIPs are funded in part by the federal government, but each state is responsible for administering its own SHIP. As a result, SHIP services may vary from state to state.

SHIP counselors are trained and certified to provide Medicare information, but they are not medical professionals. They cannot diagnose medical conditions or provide medical advice.

SHIPs are not affiliated with any insurance company or other organization that sells health insurance. They are impartial and objective, and they will not recommend or endorse any particular health insurance plan.