Navigating the maze of Medicare—its plans, premiums, and paperwork —can feel like a full-time job. It's easy to feel overwhelmed by complex rules and daunting deadlines, wondering where to turn for precise, reliable answers.
The good news is that you don't have to figure it all out alone. Tucked away in every state across the country are free, unbiased programs designed to be your personal guide through the Medicare labyrinth.
These state-specific resources are one of the best-kept secrets for getting the help you need to make confident, cost-effective decisions about your healthcare.
Get Medicare Advice from Free State Counseling Programs
When it’s time to choose Medicare health care or prescription drug plans, you might be wishing for some expert advice.
Fortunately, state-run counseling programs are available to help you get free one-on-one assistance with Medicare questions.
These government programs are generally called SHIPs, which stand for State Health Insurance Assistance Programs.Â
Anyone can call a SHIP counselor for Medicare advice—even if they’re not currently enrolled.
Speaking with a SHIP counselor is especially helpful during the annual Medicare Open Enrollment period from October 15th to December 7th.
They can help you understand which Medicare, Medicare Advantage, Medigap, or Medicaid benefits will work best for your older adult based on their health needs.
We explain why getting expert advice before choosing a Medicare plan can save time and money and how to find your local SHIP office.
Get Help with Medicare Questions to Make Informed Decisions
It may feel like an overwhelming task to study the available plans, review the drug formularies, and estimate your older adult’s future medical needs.
SHIP’s Medicare counseling can save you time by narrowing options to those that best meet your older adult’s specific needs.
For example, we’ve heard from a California SHIP program manager that she often saves people hundreds or thousands of dollars by helping them choose a better prescription drug plan.
SHIP Program Names Can Differ Across States
These programs are generally referred to as SHIP, but because they’re state-run, the names may differ from state to state.Â
Some of the more common program names across U.S. states are: SHIIP, SHINE, SHIBA, or HICAP.
Despite the name differences, the Medicare counseling services are the same across all states.
Find a Local Medicare Counselor
To find a SHIP Medicare counselor in your area, visit the National SHIP website and use the SHIP Locator to find your state’s SHIP website and phone number.
Then, browse the state website to find a program office near you or call for more information.
 Final Thoughts
Tapping into your state's Medicare assistance program is a decisive step toward taking control of your healthcare journey. These programs provide the clarity and confidence that come from having a trusted expert in your corner, ensuring you get the most from your benefits without the stress of going it alone.
Remember, these services were created specifically for you—they are free, confidential, and designed to demystify the complex world of healthcare. So, make the call or visit the website; it’s the simplest and smartest step you can take to secure your peace of mind and protect your health.
Next Steps: Find a local SHIP Medicare counseling office and get one-on-one help with Medicare questions
Recommended for you:
- Medicare Open Enrollment 2025: Minimize Costs, Maximize Coverage
- Medicare vs. Medicaid: What You Need to Know
- How Seniors Can Get Help Paying for Prescription Drugs
About the Author
Connie is the founder of DailyCaring.com and was a hands-on caregiver for her grandmother for 20 years. (Grandma made it to 101 years old!) She knows how challenging, overwhelming, and all-consuming caring for an older adult can be. She also understands the importance of support, especially in the form of practical solutions, valuable resources, and self-care tips.
Can you really call a volunteer who’s had an average of 10-15 hours of training an “Expert”?
In order to provide accurate Medicare advice, each SHIP organization has staff and volunteers who go through mandatory initial and ongoing training and certification. Each state’s requirements may be different. If you’re concerned about the advice you’re getting, you can always request to speak with the supervisor or director of the organization about your concerns.