Senior Health Insurance Program - SHIP

Senior Health Insurance Program - SHIP. The Senior Health Insurance Program (SHIP) helps older adults understand health insurance plans, government benefits, identify fraud and it offers other free services.

It uses a combination of volunteers as well as non-profits to provide free information. Find how to get help from SHIP, or the Senior Health Insurance Program. A focus is on addressing questions and concerns with government medical insurance plans, including Medicare, Medicaid or the Affordable Care Act.

However, counselors can also provide information on education services, private health insurance, social security benefits, Medicare prescription drug program enrollment and more.

Aging Services and Support

Volunteers from Senior Health Insurance Program (SHIP) operate in every state, and many of their services are coordinated by Area Agency on Aging offices. The program is not affiliated with any insurance company, and they will not sell you any products or services. SHIP program help with Medicare:

Programs for Seniors and Elderly

The primary beneficiaries of SHIP are Seniors age 65 years and older. This group often requires assistance in understanding and applying to government insurance. Counselors help people navigate the complex landscape of Medicare, including Parts A, B, C, and D.

In addition, younger individuals with disabilities as well as families and caregivers of Medicare beneficiaries can get help. Seniors citizens who currently receive their healthcare/insurance from Medicare, or who are considering filing for it, can get help from a SHIP office near them in a number of ways.

Volunteers from: SHIP will provide free one on one counseling sessions

Aging Services and Support

for those who need personal advice. There are in office visits and online consultations, or phone calls. In addition, the program’s staff or volunteers will hold presentations at senior centers, agency on aging offices and other non-profit organizations.

The counselors are highly training and independent. They provide accurate, objective information to anyone who has questions and needs help. Counselors will help you understand your options so that you can make a better-informed decision when it comes to fulfilling your health care needs.

Some examples of the private counseling sessions include the following. All Senior Health Insurance Program presentations and counseling sessions are both unbiased and free. In addition, all sessions and advice provided is confidential. Get information and advice on Medicare benefits including Advantage products and Supplement policies.

Learn about prescription medications from Medicare Part D. There is also help in applications for programs like Medicaid, Medicare Savings Programs, and the Low-Income Subsidy. SHIP counselors educate beneficiaries on how to recognize and avoid Medicare fraud and abuse, which is free Fraud Prevention.

Learn more on how to stop fraud of seniors Many of the services also help the elderly save money on their medical bills, RX, and other living expenses. Advice is also offered on private health insurance plans as well as Long-Term Care Insurance. Medicare recipients, regardless of their age, can receive the most up-to-date information on all forms of state and federal government insurance plans, including Medicaid and Medicare.

Offering guidance on Medigap - Medicare Supplement Insurance, which helps pay some of the health care costs that original Medicare doesn't cover. Helping beneficiaries understand and resolve billing or claims issues, also well as applying for assistance with their bills.

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