Free individual counseling services dedicated to educating people with Medicare and their caregivers about available insurance options. Also available for people on Medicare due to a disability. Counselors can answer questions about: - Medicare. - Medicare supplement insurance. - Medicare advantage plans (HMOs, PPOs, PFFs). - Prescription drug coverage through Medicare and other sources. - Long-term care insurance. - Medicare claims and appeals. - Medicare beneficiary rights and gurantees.