State Health Insurance Assistance Program
Understanding your Medicare plan and making sure your loved one gets quality care that you can afford can be an overwhelming process. It can also be an isolating experience if you don't know where to get help. If you have questions about your coverage or about how to enroll in Medicare and Medicaid plans, you can contact a local State Health Insurance Assistance Program to get personalized help from one of its counselors.
The State Health Insurance Assistance Program (SHIP) is a federally funded state program that has been providing free, local, one-on-one health insurance counseling and educational outreach to people on Medicare and their families since 1990. SHIP counselors are committed, trained volunteers. Their goal is to advise, educate, and empower you to manage your healthcare with confidence.
See a list of SHIP offices by state
SHIP counselors can help you:
Compare and enroll in plans and programs such as:
- Medicare prescription drug coverage (Medicare Part D)
- Medicare Advantage plans
- Medicare supplement insurance (Medigap)
And get answers to questions such as:
- Does Medicare cover nursing home care?
- Do I need Medicare supplement policies (Medigap)?
- What does my prescription drug plan cover?
- How do I enroll in the Extra Help prescription drug program?
- How do I make a complaint about Medicare?
- What do I do if Medicare denies a claim payment?
They can also help you understand your affordable long-term care options. All counseling is confidential and objective -- SHIP counselors will never promote or attempt to sell you insurance products. They are there to be your advocates and to help you know your rights as a Medicare beneficiary.
Local SHIP programs hold regular workshops to help the community learn more about Medicare and other affordable healthcare options. They also host enrollment events to help walk you through the enrollment process in a supportive environment where you can ask questions about your own situation.
SHIP Offices in Your State
Select your state from the list below to find your local SHIP program. (Some programs may have a different name, but they're still part of the same SHIP network.) You can also visit www.shiptalk.org to find a counselor.
To learn more about your healthcare options and affordable care, visit www.benefitscheckup.org, a site run by the National Council on Aging.
Alabama
State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 243-5463
Local: (334) 242-5743Alaska
Medicare Information Office
Toll-free: (800) 478-6065
Local: (907) 269-3680
TTY: (907) 269-3691Arizona
Arizona State Health Insurance Assistance Program Toll-free: (800) 432-4040
Local: (602) 542-4446Arkansas
Senior Health Insurance Information Program (SHIIP)
Toll-free: (800) 224-6330
Local: (501) 371-2782California
California Health Insurance Counseling & Advocacy Program (HICAP)
Toll-free: (800) 434-0222Colorado
Senior Health Insurance Assistance Program (SHIP)
Toll-free: (888) 696-7213
Local: (720) 321-8850
Spanish: (866) 665-9668
TTY: (303) 894-7880Connecticut
CHOICES
Toll-free: (800) 994-9422
Local: (860) 424-5274Delaware
ELDERinfo
Toll-free: (800) 336-9500
Local: (302) 674-7364Florida
Serving Health Insurance Needs of Elders (SHINE)
Toll-free: (800) 963-5337Georgia
GeorgiaCares
Toll-free: (866) 552-4464
TTY: (404) 657-1929Guam
Guam Medicare Assistance Program (GUAM MAP)
Local: (671) 735-7421
TTY: (671) 735-7415Hawaii
Sage PLUS Program
Toll-free: (888) 875-9229
Local: (808) 586-7299Idaho
Senior Health Insurance Benefits Advisors (SHIBA)
Toll-free: (800) 247-4422
Local: (208) 334-4289Illinois
Senior Health Insurance Program (SHIP)
Toll-free: (800) 548-9034
Local: (217) 785-9021
TTY: (217) 524-4872Indiana
State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 452-4800
Local: (765) 608-2318Iowa
Senior Health Insurance Information Program (SHIIP)
Toll-free: (800) 351-4664Kansas
Senior Health Insurance Counseling for Kansas (SHICK)
Toll-free: (800) 860-5260Kentucky
State Health Insurance Assistance Program (SHIP)
Toll-free: (877) 293-7447
Local: (502) 564-6930Louisiana
Senior Health Insurance Information Program (SHIIP)
Toll-free: (800) 259-5300
Local: (225) 342-5301Maine Maine State Health Insurance Assistance Program (SHIP)
Toll-free: (877) 353-3771
Local: (207) 941-2865Maryland Senior Health Insurance Assistance Program (SHIP)
Toll-free: (800) 243-3425
Local: (410) 767-1100
TTY: (410) 767-1083Massachusetts
Serving Health Information Needs of Elders (SHINE)
Toll-free: (800) 243-4636
Local: (617) 727-7750Michigan
MMAP, Inc.
Toll-free: (800) 803-7174Minnesota
Minnesota State Health Insurance Assistance Program/Senior LinkAge Line
Toll-free: (800) 333-2433Mississippi
MS State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 948-3090
Local: (601) 359-4929Missouri
CLAIM
Toll-free: (800) 390-3330
Local: (573) 817-8320Montana
Montana State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 551-3191Nebraska Nebraska Senior Health Insurance Information Program (SHIIP)
Toll-free: (800) 234-7119
Local: (402) 471-2201Nevada
State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 307-4444
Local: (702) 486-3478New Hampshire
NH SHIP - ServiceLink Aging and Disability Resource Center
Toll-free: (866) 634-9412New Jersey
State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 792-8820
Local: (877) 222-3737New Mexico Benefits Counseling Program
Toll-free: (800) 432-2080
Local: (505) 476-4846New York Health Insurance Information Counseling and Assistance Program (HIICAP)
Toll-free: (800) 701-0501
Local: (800) 342-9871North Carolina Seniors' Health Insurance Information Program (SHIIP)
Toll-free: (800) 443-9354
Local: (919) 807-6900North Dakota
Senior Health Insurance Counseling (SHIC)
Toll-free: (800) 247-0560
Local: (701) 328-2440Ohio
Ohio Senior Health Insurance Information Program (OSHIIP)
Toll-free: (800) 686-1578Oklahoma
Oklahoma Medicare Assistance Program (MAP)
Toll-free: (800) 763-2828
Local: (405) 521-6628Oregon
Senior Health Insurance Benefits Assistance (SHIBA)
Toll-free: (800) 722-4134
Local: (503) 947-7979Pennsylvania
APPRISE
Toll-free: (800) 783-706Puerto Rico
State Health Insurance Assistance Program (SHIP)
Toll-free: (877) 725-4300
Local: (787) 721-6121Rhode Island
Senior Health Insurance Program (SHIP)
Local: (401) 462-0510
TTY: (401) 462-0740South Carolina
(I-CARE) Insurance Counseling Assistance and Referrals for Elders
Toll-free: (800) 868-9095
Local: (803) 734-9900South Dakota
Senior Health Information & Insurance Education (SHIINE)
Toll-free: (800) 536-8197Tennessee
TN SHIP
Toll-free: (877) 801-0044
Local: (615) 741-2056
TTY: (615) 532-3893Texas
Health Information Counseling and Advocacy Program (HICAP)
Toll-free: (800) 252-9240Utah
Senior Health Insurance Information Program (SHIP)
Toll-free: (800) 541-7735
Local: (801) 538-3910Vermont
State Health Insurance Assistance Program (SHIP)
Toll-free: (800) 642-5119
Local: (802) 748-5182Virgin Islands
Virgin Islands State Health Insurance Assistance Program (VISHIP)
Local: (340) 772-7368Virginia
Virginia Insurance Counseling and Assistance Program (VICAP)
Toll-free: (800) 552-3402
Local: (804) 662-9333Washington
Statewide Health Insurance Benefits Advisors (SHIBA)
Toll-free: (800) 562-6900
TTY: (360) 586-0241Washington D.C.
Health Insurance Counseling Project (HICP)
Local: (202) 994-6272
TTY: (202) 994-6656West Virginia
West Virginia State Health Insurance Assistance Program (WV SHIP)
Toll-free: (877) 987-4463
Local: (304) 558-3317Wisconsin
Wisconsin SHIP (SHIP)
Toll-free: (800) 242-1060
Local: (608) 267-3201
Spanish: (888) 701-1255Wyoming
Wyoming State Health Insurance Information Program (WSHIIP)
Toll-free: (800) 856-4398
Local: (307) 856-6880