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Answers to seniors' health insurance questions

Your State Health Insurance Advisory Program (SHIP) is a federally funded, state-administered program that helps Medicare recipients understand their rights and options for health insurance. Free counseling is available by phone or in face-to-face sessions.

All states and territories have some sort of SHIP program. SHIP started as a way to inform Medicare beneficiaries about increased choices in Medigap plans, and it has expanded to offer advice on:

  • Enrollment in Medicare prescription drug plans
  • Medicare Advantage options
  • Long-term care insurance
  • Medicare claims and billing-problem resolution
  • Public benefit programs for those with limited income and assets
  • Medicare fraud and abuse.

Find the SHIP program in your state

State and SHIP Web site link

Phone number

Alabama

(800) 243-5463

Alaska

(800) 478-6065, in-state calls only, (888) 647-6701

Arizona

(800) 432-4040

Arkansas

(800)224-6330

California

(800) 434-0222

Colorado

(888) 696-7213

Connecticut

(800) 994-9422, in-state calls only

Delaware

(800) 336-9500, in-state calls only

District of Columbia

(202) 739-0668

Florida

(800) 963-5337, in-state calls only

Georgia

(800) 669-8387

Hawaii

(888) 875-9229 or (888) 875-9229

Idaho

(800) 247-4422,

Illinois

(800) 548-9034, in-state calls only

Indiana

(800) 452-4800

Iowa

(800) 351-4664

Kansas

(800) 860-5260

Kentucky

(877) 293-7447

Louisiana

(800) 259-5301, in-state calls only

Maine

(800) 353-3771,(800) 262-2232 in-state calls only

Maryland

(800) 243-3425, in-state calls only

Massachusetts

(800) 243-4636

Michigan

(800) 803-7174

Minnesota

(800) 333-2433

Mississippi

(800) 948-3090

Missouri

(800) 390-3330

Montana

(800) 551-3191,

Nebraska

(800) 234-7119

Nevada

(800) 307-4444

New Hampshire

(866) 634-9412

New Jersey

(800) 792-8820

New Mexico

(800) 432-2080

New York

 (866) 881-2809

North Carolina

(800) 443-9354

North Dakota

 (888) 647-6701

Ohio

(800) 686-1578

Oklahoma

(800) 763-2828, in-state calls only

Oregon

(800) 722-4134

Pennsylvania

(800) 783-7067

Puerto Rico

(877) 725-4300,(800) 981-0056 ,(800)981-7735

Rhode Island

(401) 462-4444

South Carolina

(800) 868-9095

South Dakota

(800) 536-8197

Tennessee

(877) 801-0044

Texas

(800) 252-9240

Utah

(800) 541-7735

Vermont

(800) 642-5119, in-state calls only

Virginia

(800) 552-3402

Virgin Islands

(340) 772-7368 ,(340)714-4354

Washington

(800) 562-6900

West Virginia

(877) 987-4463

Wisconsin

(800) 242-1060

Wyoming

(800) 856-4398

Source: Centers for Medicare and Medicaid Services

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