Free Medicare counseling (SHIP)
Free, unbiased one-on-one help choosing Medicare plans and finding programs that lower Medicare costs.
Apply on the official site ↗Goes to ShipHelp.org. Applying is free.
Who generally qualifies
People with Medicare, their families and caregivers.
Exact income limits and rules are set by State Health Insurance Assistance Programs and can change. Check the official site for current details.
How to apply
- Find your state's SHIP on ShipHelp.org or call 1-877-839-2675.
- Set up a phone or in-person appointment.
- Bring your Medicare card and list of medicines.
What to have ready
- Medicare card
- List of prescriptions
- Current plan information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- State Health Insurance Assistance Programs makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check ShipHelp.org for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with State Health Insurance Assistance Programs.