State Health Insurance Assistance (SHIP) and Senior Medicare Patrol (SMP) counselors provide unbiased Medicare counseling services and personalized Medicare and Medicaid enrollment assistance for seniors, people with disabilities, and their family caregivers. Assists with completing and submitting forms and provides education on Medicare scams and fraud.

Area Agency on Aging Benefits Assistance Program | Area Agency on Aging Benefits Assistance Program

Programs that offer information and guidance for older adults and people with disabilities regarding their health insurance options with the objective of empowering them to make informed choices. Included is information about benefits covered (and not covered); the payment process; the rights of beneficiaries; the process for eligibility determinations, coverage denials and appeals; consumer safeguards; and options for filling the gap in Medicare coverage (Medigap supplement insurance). Also available is information relating to an individual's eligibility for benefits and assistance with evaluating their options and enrolling in a Medicare plan (A, B, C, and/or D) that will best meet their needs. These programs also address coordination of benefits when beneficiaries have other types of health insurance in addition to Medicare (e.g. Medicaid, employer coverage or retiree insurance) and provide counseling and assistance regarding the subsidies that are available to low income beneficiaries enrolled in the Part D Prescription Drug Benefit (which help pay for Part D premiums and reduce the cost of prescriptions at the pharmacy) and the Medicare Savings Programs which help pay for Medicare out-of-pocket costs. They may also provide information about Medicaid and the linkages between the two programs, referrals to appropriate state and local agencies involved in the Medicaid program, information about other Medicare-related entities (such as peer review organizations, Medicare-approved prescription drug plans, Medicare administrative contractors), and assistance in completing related Medicare insurance forms.

Medicare Information/Counseling

Art galleries, museums, nature centers and other similar organizations that are actively seeking individuals who are willing to conduct guided tours for the public on a voluntary basis without remuneration.

Tour/Exhibit Guide Volunteer Opportunities

Programs that help people obtain, complete and/or file official forms, certificates, documents, applications or other paperwork that is required to apply for benefits or services, initiate or respond to legal action or to officially handle or document the occurrence of a transaction; that help people acquire copies of official documents on file elsewhere; or that review legal documentation an individual has received to help explain its meaning.

Certificates/Forms Assistance

Programs that help older adults, people who live alone and other vulnerable individuals become aware of the scams and con games that are most frequently used to induce victims to part with their money or valuables. Common scams include fraudulent prize offers, "free" travel packages that have hidden costs or which never materialize, "get rich quick" investments that turn out to be worthless, tax debt/refund scams, phony charities with names that are similar to well-known organizations and schemes involving promises to recover an individual's money following their victimization by another scam.