Credit freezes are free under a federal law that just went into effect. Learn how to protect your credit.
En español | State health insurance assistance programs (SHIPs) are valuable resources for anyone who needs help with Medicare or Medicaid issues. They provide one-on-one help from trained counselors, whose assistance comes free of charge and (just as importantly) free from sales pressure. SHIP counselors can help you consider your options in Medicare; identify the Medigap, Part D or Medicare Advantage plan that best meets your needs and preferences; check whether you qualify for programs that reduce your costs in Medicare (such as Medicare Savings Programs and Extra Help); and advise on other insurance issues, such as Medicaid, long-term care insurance and making appeals.
If English is not your first language, the SHIP can arrange for an interpreter or refer you to a local organization that offers similar counseling in your own language — also at no charge.
The SHIPs, which are jointly funded by the federal and state governments, are available in every state, the District of Columbia, Guam, Puerto Rico and the U.S. Virgin Islands. The programs have different names in some places (for example, HICAP in California, SHINE in Florida, SHIBA in Idaho). To find the main toll-free phone number of your SHIP, go to www.shiptacenter.org and select your state.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at