How to Use SHIP for Medicare Guidance

Learn how to access free, unbiased Medicare counseling through the State Health Insurance Assistance Program to navigate your healthcare coverage options.

  1. Understanding the Role of SHIP. SHIP is a national network of local programs that provide free, personalized counseling to people with Medicare and their families. Unlike insurance agents or brokers, SHIP counselors are not affiliated with any insurance company and do not sell plans. Their goal is to provide neutral information so that you can make an informed decision based on your personal health requirements and financial situation. Counselors can assist with explaining the differences between Original Medicare and Medicare Advantage, help clarify how supplemental coverage works, and provide guidance on programs that may assist with the costs of premiums or prescription medications.
  2. How to Connect with Your Local Office. To find your local SHIP office, you can visit the national SHIP website, which maintains a directory of state-specific programs. Most states provide assistance through telephone helplines, online chat services, or in-person appointments at local community centers or area agencies on aging. When you contact them, be prepared to provide general information about your current coverage and any specific concerns you have regarding your healthcare needs. Because counselors work with a high volume of inquiries, particularly during the annual open enrollment period, reaching out early is often helpful.
  3. Preparing for Your Consultation. To get the most out of a session with a SHIP counselor, it is helpful to have your current Medicare card and a list of your current prescriptions and preferred healthcare providers ready. Having a clear idea of what you are looking for—whether it is a review of your current plan's performance or an investigation into new coverage options—allows the counselor to provide the most relevant information. Remember that while counselors can explain how different plans function and how they might apply to your situation, they will not tell you which plan to choose. They provide the framework for you to compare options effectively.