SHIP – State Health Insurance Assistance Program – Medicare Help

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SHIP & Medicare

The State Health Insurance Assistance Program, also known as SHIP, is a government program that provides fee one-on-one health insurance counseling to people enrolled in Medicare as well as their families. SHIP programs receive funding from the state government and are run by the state. SHIP has local offices in the state to provide convenient access to SHIP counselors.

SHIP is not an insurance plan but, rather, a government service to help Medicare enrollees understand their insurance options, benefits, and rights under the Medicare program.

How Can SHIP Help Me?

A SHIP counselor can help you:

  • Compare Medicare Part D plans available in your area
  • Compare Medicare Advantage plans available in your area
  • Compare Medigap plans available in your area
  • Discuss the differences among Part D, Medicare Advantage, and Medigap plans
  • Enroll in a Medicare Part D, Medicare Advantage, or Medigap plan

SHIP counselors can also answer questions about:

  • Original Medicare Parts A and B
  • Medication coverage within Part D and Medicare Advantage plans
  • Extra Help (also known as the Low Income Subsidy or LIS)
  • Reporting a complaint to Medicare
  • Options when a claim is denied by Medicare or an insurance plan

List of State SHIP Programs

Not every SHIP program is called SHIP. Some states use other names or acronyms for the program. Below is a list of SHIP program names by state.

StateSHIP Program NameWeb Site
AlabamaState Health Insurance Assistance Program (SHIP)www.adss.alabama.gov/ship.cfm
AlaskaState Health Insurance Assistance Programs (SHIP) & Senior Medicare Patrol (SMP)dhss.alaska.gov/dsds/Pages/medicare/default.aspx
ArizonaArizona State Health Insurance Assistance Programhttps://www.azdes.gov/daas/ship/
ArkansasSenior Health Insurance Information Program (SHIIP)http://insurance.arkansas.gov/shiip.htm
CaliforniaCalifornia Health Insurance Counseling & Advocacy Program (HICAP)https://www.aging.ca.gov/hicap/?AspxAutoDetectCookieSupport=1
ColoradoSenior Health Insurance Assistance Program (SHIP)http://cdn.colorado.gov/cs/Satellite/DORA-DI/CBON/DORA/1251631731291
ConnecticutThe CHOICES Program / CT SHIPhttp://www.ct.gov/agingservices/cwp/view.asp?a=2511&q=313032
DelawareDelaware Medicare Assistance Bureau (DMAB)http://www.delawareinsurance.gov/DMAB/
District of ColumbiaHealth Insurance Counseling Project (HICP)http://www.law.gwu.edu/Academics/EL/clinics/insurance/Pages/About.aspx
FloridaServing Health Insurance Needs of Elders (SHINE)http://www.floridashine.org
GeorgiaGeorgiaCareshttps://aging.dhs.georgia.gov/georgiacares
HawaiiSage PLUS Programhttp://www.hawaiiship.org
IdahoSenior Health Insurance Benefits Advisors (SHIBA)http://www.doi.idaho.gov/shiba/shwelcome.aspx
IllinoisSenior Health Insurance Program (SHIP)http://www.insurance.illinois.gov
IndianaState Health Insurance Assistance Program (SHIP)http://www.in.gov/idoi/2508.htm
IowaSenior Health Insurance Information Program (SHIIP)http://www.shiip.state.ia.us/FindACounselor.aspx
KansasSenior Health Insurance Counseling for Kansas (SHICK)http://www.kdads.ks.gov/shick/shick_index.html
KentuckyState Health Insurance Assistance Program (SHIP)http://www.chfs.ky.gov/dail/ship.htm
LouisianaSenior Health Insurance Information Program (SHIIP)http://www.ldi.louisiana.gov/Health/SHIIP/index.html
MaineMaine Maine State Health Insurance Assistance Program (SHIP)http://www.maine.gov/dhhs/oads/aging/community/ship.shtml
MarylandMaryland Senior Health Insurance Assistance Program (SHIP)http://mhcc.maryland.gov/consumerinfo/longtermcare/SeniorHealthInsuranceProgram.aspx
MassachusettsServing Health Information Needs of Elders (SHINE)http://www.massresources.org/health-care.html
MichiganMMAP, Inc.www.mmapinc.org
MinnesotaMinnesota State Health Insurance Assistance Programhttp://www.health.state.mn.us/ship/
MississippiMS State Health Insurance Assistance Program (SHIP)http://www.mdhs.state.ms.us/programs-and-services-for-seniors/state-health-insurance-assistance-program/
MissouriCommunity Leaders Assisting the Insured of Missouri (CLAIM)http://www.missouriclaim.org
MontanaMontana State Health Insurance Assistance Program (SHIP)http://www.dphhs.mt.gov/sltc/services/aging/SHIP/ship.shtml
NebraskaNebraska Senior Health Insurance Information Program (SHIIP)http://www.doi.nebraska.gov/shiip/
NevadaState Health Insurance Assistance Program (SHIP)http://www.nvaging.net/ship/ship_main.htm
New HampshireNH SHIP - ServiceLink Aging and Disability Resource Centershttp://www.nh.gov/servicelink/medicareinfo.html
New JerseyState Health Insurance Assistance Program (SHIP)http://www.state.nj.us/humanservices/doas/services/ship/
New MexicoNew Mexico Benefits Counseling Programhttp://www.nmaging.state.nm.us/State_Health_Insurance_Assistance_Program.aspx
New YorkNew York Health Insurance Information Counseling and Assistance Program (HIICAP)http://www.aging.ny.gov/HealthBenefits/Index.cfm
North CarolinaNorth Carolina Seniors' Health Insurance Information Program (SHIIP)http://www.ncdoi.com/SHIIP/Default.aspx
North DakotaSenior Health Insurance Counseling (SHIC)http://www.nd.gov/ndins/shic/
OhioOhio Senior Health Insurance Information Program (OSHIIP)http://www.insurance.ohio.gov/aboutodi/odidiv/pages/oshiip.aspx
OklahomaSenior Health Insurance Counseling Program (SHIP) / Oklahoma Medicare Assistance Program (MAP)http://www.ok.gov/oid/Consumers/Information_for_Seniors/SHIP.html
OregonSenior Health Insurance Benefits Assistance (SHIBA)http://www.oregon.gov/dcbs/insurance/SHIBA/Pages/shiba.aspx
PennsylvaniaApprise Health Insurance Counseling Programhttp://www.portal.state.pa.us/portal/server.pt?open=514&objID=616587&mode=2
Rhode IslandSenior Health Insurance Program (SHIP)http://www.dea.ri.gov/insurance/
South CarolinaInsurance Counseling Assistance and Referrals for Elders (I-CARE)http://aging.sc.gov/seniors/medicare/Pages/default.aspx
South DakotaSenior Health Information & Insurance Education (SHIINE)http://www.shiine.net
TennesseeTennessee State Health Insurance Assistance Program (SHIP) / TN SHIPhttp://www.tn.gov/comaging/ship.html
TexasHealth Information Counseling and Advocacy Program (HICAP)http://www.tdi.texas.gov/consumer/hicap/hicaphme.html
UtahSenior Health Insurance Information Program (SHIP)http://daas.utah.gov/senior-services/
VermontState Health Insurance Assistance Program (SHIP)http://www.medicarehelpvt.net
VirginiaVirginia Insurance Counseling and Assistance Program (VICAP)http://www.vda.virginia.gov/vicap.asp
WashingtonStatewide Health Insurance Benefits Advisors (SHIBA)http://www.insurance.wa.gov/about-oic/what-we-do/advocate-for-consumers/shiba/
West VirginiaWest Virginia State Health Insurance Assistance Program (WV SHIP)http://www.wvship.org/AboutWVSHIP/tabid/132/Default.aspx
WisconsinState Health Insurance Assistance Program (SHIP)http://www.dhs.wisconsin.gov/benefit-specialists/ship.htm
WyomingWyoming State Health Insurance Information Program (WSHIIP)http://www.wyomingseniors.com/services/wyoming-state-health-insurance-information-program

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