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Offers insurance counseling services for Medicare beneficiaries and their caregivers provided by trained and certified SHIP counselors. SHIP counselors can advise on Medicare, Medicare Supplement insurance, long-term care insurance, Medicare managed care plans (HMO, PPO, & PFFS), other health insurance, prescription drug coverage (Medicare D), filing Medicare and Medicare Supplement claims, Medicare Supplement and long-term care insurance policies, appealing claim denials, and Extra Help (a federal program to assist low-income seniors with Medicare D associated costs).

Helps sort out the complicated puzzle of Medicare, Medicaid, pharmaceutical assistance, and supplemental health insurance. Certified SHAP counselors can guide seniors to health care plans that include their doctor, cover their medications, and are affordable.