The State Health Insurance Assistance Program (SHIP) is a federally funded network of trained counselors who provide free, unbiased Medicare guidance to beneficiaries, their families, and caregivers. Available in all 50 states, Puerto Rico, Guam, and the U.S. Virgin Islands, SHIP serves as a trusted resource for navigating complex Medicare decisions.
SHIP counselors offer personalized assistance through in-person meetings, phone consultations, and community outreach events. They help beneficiaries understand their Medicare options, compare plans, resolve billing issues, and maximize their healthcare benefits. Whether you’re newly eligible for Medicare, already enrolled, or helping a loved one, SHIP counselors provide objective advice without selling any products or services.
The program is managed by the Administration for Community Living and operates through partnerships with state and local agencies. SHIP counselors undergo extensive training to stay current on Medicare rules, coverage options, and enrollment periods.