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State Health Insurance Assistance Programs (SHIP) - CONTACTS



For free, personalized help with questions about appeals, buying other insurance, choosing a health plan, buying a Medigap policy and Medicare rights and protections.
ALABAMA  
    •  State Health Insurance Assistance Program (SHIPs) -  1-800-243-5463
ALASKA
    •    Medicare Information Office -  1-800-478-6065   
    •    TTY: 1-800-770-8973
  ARIZONA
    •  Arizon State Health Insurance Assistance Program (SHIP)
    • 1-800-432-4040
ARKANSAS
    •  Senior Health Insurance Information Program (SHIIP)
    • 1-800-224-6330
CALIFORNIA
    • California health Insurance Counseling & Advocacy Program (HICAP)
    • 1-800-434-0222
COLORADO
    • State Health Insurance Assistance Program (SHIP)
    • 1-888-696-7213
CONNECTICUT
    • Connecticut's Program for Health Insurance Assistance, Outreach, Information & Referral, Counseling, Eligibility Screening (CHOICES)
    • 1-800-9944-9422
           DELAWARE
    • Delaware Medicare Assistance Bureau
    • 1-800-336-9500
           FLORIDA
    • Serving Health Insurance Needs of Elders (SHINE)
    • 1-800-963-5337
    • TTY: 1-800-955-8770
           GEORGIA
    • GeorgiaCares SHIP
    • 1-866-552-4464
            GUAM
    • Guam Medicare Assistance Program (GUAM MAP)
    • 1-671-735-7415
             HAWAII
    • Hawaii SHIP
    • 1-888-875-9229
    • TTY: 1-866-810-4379
             IDAHO
    • Senior Health Insurance Benefits Advisors (SHIBA)
    • 1-800-247-4422
            ILLINOIS
    • Senior Health Insurance Program (SHIP)
    • 1-800-252-8966
    • TTY 1-888-206-1327
            INDIANA
    • State Health Insurance Assistance Program (SHIP)\
    • 1-800-452-4800
    • TTY: 1-866-846-0139
            IOWA
    • Senior Health Insurance Information Program (SHIP)
    • 1-800-351-4664
    • TTY: 1-800-735-2942
            KANSAS
    • Senior Health Insurance Counseling for Kansas (SHICK)
    • 1-800-860-5260
            KENTUCKY
    • State Health Insurance Assistance Program (SHIP)
    • 1-877-293-7447
            LOUISIANA
    • Senior Health Insurance Information Program (SHIP)
    • 1-800-259-5300
            MAINE
    • Maine  State Health Insurance Assistance Program (SHIP)
    • 1-800-262-2232
            MARYLAND
    • State Health Insurance Assistance Program (SHIP)
    • 1-800-243-3425
            MASSACHUCETTS
    • Serving Health Insurance Needs of Everyone (SHINE)
    • 1-800-243-4636
    • TTY: 1-877-610-0241
            MICHIGAN
    • MMAP, Inc.
    • 1-800-803-7174
            MINNESOTA
    • Minnesota State Health Insurance Assistance Program/ Senior LinkAge Line
    • 1-800-333-2433
            MISSISSIPPI
    • MS State Health Insurance Assistance Program (SHIP)
    • 844-822-4622
            MISSOURI
    • CLAIM
    • 1-800-390-3330
             MONTANA
    • Montana State Health Insurance Assistance Program (SHIP)
    • 1-800-551-3191
             NEBRASKA
    • Nebraska Senior Health Insurance Information Program (SHIIP)
    • 1-800-234-7119
              NEVADA
    • State Health Insurance Assistance Program (SHIP) 
    • 1-800-307-4444
              NEW HAMPSHIRE
    • NH SHIP - Service Link Resource Center
    • 1-866-634-9412
              NEW JERSEY
    • State Health Insurance Assistance Program (SHIP)
    • 1-800-792-8820
               NEW MEXICO
    • New Mexico ADRC/SHIP
    • 1-800-432-2080
                NEW YORK
    • Health Insurance Information Counseling Program (HIICAP)
    • 1-800-701-0501
                NORTH CAROLINA
    • Seniors' Health Insurance Information Program (SHIIP
    • 1-855-408-1212
                NORTH DAKOTA
    • State Health Insurance Counseling (SHIC)
    • 1-888-575-6611
    • TTY: 1-800-366-6888
               OHIO
    • Ohio Senior Health Insurance Information Program (OSHIIP)
    • 1-800-686-1578
               OKLAHOMA
    • Oklahoma Medicare Assistance Program (MAP)
    • 1-800-686-1578
                OREGON
    • Senior Health Insurance Benefits Assistance (SHIBA)I1-800-722-4134
                PENNSYLVANIA
    • APPRISE
    • 1-800-783-7067
                PUERTO RICO
    • State Health Insurance Assistance Program (SHIP)
    • 1-877-725-4300
    • TTY: 1-878-919-7291
                RHODE ISLAND
    • Senior Health Insurance Program (SHIP)
    • 1-888-884-8721
                SOUTH CAROLINA
    • Insurance Counseling Assistance and Referrals for Elders (I-CARE)
    • 1-800-868-9095
               SOUTH DAKOTA
    • Senior Health Information & Insurance Education (SHINE)
    • 1-800-536-8197
                TENNESSEE
    • TN SHIP
    • 1-877-801-0044
    • TTY: 1-800-848-0299
               TEXAS
    • Health Information Counseling and Advocacy Program (HICAP)
    • 1-800-252-9240
               UTAH
    • Senior Health Insurance Assistance Program (SHIP)
    • 1-800-541-7735
               VERMONT
    • State Health Insurance Assistance Program (SHIP)
    • 1-800-642-5119
               VIRGIN ISLANDS
    • Virgin Islands State Health Insurance Assistance Program (VISHIP)
    • 1-340-772-738 St. Croix area;
    • 1-340-714-4354 St. Thomas area
               VIRGINIA
    • Virginia Institute Counseling and Assistance Program (VICAP)
    • 1-800-552-3402
               WASHINGTON
    • Statewide Health Insurance Benefits Advisors (SHIBA)W
    • 1-800-562-6900
    • TTY: 1-360-586-0241
                WASHINGTON D.C.
    • Health Insurance Counseling Project (HICP)
    • 1-202-727-8370
                WEST VIRGINIA
    • West Virginia State Health Insurance Assistance Program (WV SHIP)
    • 1-877-987-4463
                 WINCOSIN
    • Wl State Health Insurance Assistance Program (SHIP)
    • 1-800-242-1060
                 WYOMING
    • Wyoming State Health Insurance Information Program (WSHIIP)
    • 1-800-856-4398




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Medicare Part D Costs for 2020

Before 2006, Medicare did not cover prescription medications. There was a limited number of medications that were offered under Medicare Part Band,  and otherwise, you had to pay for your medications out of pocket. In 2003, everything had changed when President George W. Bush passed the Medicare Prescription Drug, Improvement, and Modernization Act (MMA). This is what we now know of as  Medicare Part D , an optional part of Medicare that provides prescription drug coverage. Part D plans are run by private insurance companies and not by the government. However, the federal government sets guidelines on what basic medications are covered and how much you can be charged.  A deductible is the amount of money you spend out of pocket before your prescription drug benefits begin. Your plan may or may not have a deductible. The maximum deductible a plan can charge for 2020 is set at $435. It has increased by  $20 from 2019. Part D
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Benefit Period

The benefit period is the length of time during which a benefit is paid. It   measures your use of  inpatient  hospital and  skilled nursing facility (SNF)  services. This  begins the day you are admitted as an inpatient, or to an SNF, and ends the day you have been out of the hospital or SNF for 60 days in a row. After you meet your  deductible ,  Original  Medicare  will pay in full for days 1 to 60 that you are in a hospital. The remaining days, 61-90 , you will have to pay a  daily coinsurance. If your 90 days of hospital coverage has been consumed but you need to stay longer, Medicare covers up to 60 additional lifetime reserve days and yo u will also have to pay a daily  coinsurance . These days are nonrenewable , meaning you will not get them back when you become eligible for another benefit period. If you run out of days during your benefit period, Medicare will stop paying for your in-patient related hospital costs such as room and board.  To be eligible for a new b
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Comparing Health Care Providers

How do I compare the quality fo Health Care Providers? Medicare collects information about the quality and safety of medical care and services given by most health care providers (and facilities). Check Medicare.gov/quality-care-finder and get a snapshot of the quality of care they give their patients. Some feature a star rating system to help you compare quality measures that are important to you. Find out more by: Talking to your health care provider. Each health care provider should have someone you can talk to about quality. Asking your doctor or other health care provider what he or she thinks about the quality of care other providers give. You can also ask your doctor or other health care provider about the quality of care information you find on Medicare.gov . Having access to quality and cost information upfront helps you get a complete picture of your health care options. You'll be able to compare quality ratings, cost information, and other details to hel
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