What We Do
ABOUT SHIPS
State Health Insurance Assistance Programs (SHIPs) help you navigate the complexities of Medicare.
SHIPs provide local, in-depth, and unbiased insurance counseling and assistance to Medicare-eligible individuals, their families, and caregivers. There is no charge to consumers for this assistance.
Help for yourself or your loved ones
Considering making coverage changes during Medicare’s Annual Election Period (Open Enrollment)?
Contact your SHIP for one-on-one assistance with reviewing health or prescription drug plan options.
Worried about the out-of-pocket costs associated with Medicare?
Contact your SHIP to find out about assistance programs you or your loved one might be eligible for.
Unsure about when to enroll in Medicare?
SHIPs can help you understand key dates to avoid any late enrollment penalties.
Wondering what Medicare does and doesn’t cover?
Medicare can be complicated. Contact your SHIP for answers.
Confused about who pays first, Medicare or another insurance?
SHIPs can explain how Medicare works with supplemental policies, retiree coverage, Medicaid, and other insurers.
Uncertain of your or your loved one’s rights under Medicare?
Contact your SHIP for assistance with appeals.
Find Your SHIP
Use the SHIP Locator below or call 1-877-839-2675.
SHIPs are federally funded by the U.S. Administration for Community Living.
Your SHIP may go by a different name depending on where you live, such as HICAP, SHIIP, SHINE, or VICAP.