Open enrollment for Medicare runs October 15 through December 7, and the plan comparison can feel overwhelming. Every state runs a free counseling program called SHIP (State Health Insurance Assistance Program) that can walk you through it, with no sales pitch.
1. What SHIP Is
Medicare.gov describes SHIPs as programs that help people with Medicare and their families, and calls the service free health insurance counseling.
2. What a SHIP Counselor Can Help With
- Choosing or comparing Medicare plans
- Reviewing your current coverage
- Understanding your costs
- Applying for Extra Help with drug costs
- Filing complaints and appeals
- Making informed decisions about your coverage
3. Why Free Help Can Save Real Money
A plan that fits last year’s prescriptions can cost more this year. A counselor can help you compare total yearly cost, not just the monthly premium. Because SHIP is a free counseling service rather than a plan seller, the goal is to explain your options.
4. Checklist: What to Bring to Your Appointment
- Your red, white and blue Medicare card
- Your current plan’s Annual Notice of Change letter
- A list of every prescription with dose and pharmacy
- A list of doctors and hospitals you want to keep
- Your rough monthly budget for health costs
5. Decision Guide: Which Help Fits You?
| Your situation | Good first step |
|---|---|
| Confused by plan choices | Book a SHIP counseling session |
| Limited income, high drug costs | Ask SHIP about Extra Help and Medicare Savings Programs |
| Denied coverage or a claim | Ask SHIP about the appeals process |
| Just want to compare quickly | Use the Medicare plan finder, then confirm with SHIP |
6. How to Get Started
Medicare.gov’s “Talk to someone” page points you to personalized SHIP help. Start early in the enrollment window so you have time to switch plans before December 7. Counselor availability varies by state, so confirm details with your local program.
FAQ
Does SHIP cost anything?
Medicare.gov describes it as free health insurance counseling.
Can SHIP sign me up for a plan?
Counselors help you understand and compare options; check with your local program about what enrollment help they offer.
This article is general information, not personal financial advice.