How to apply for Alabama SHIP — free Medicare and insurance counseling

Who it's for

The State Health Insurance Assistance Program (SHIP) gives free counseling about Medicare and other health insurance. SHIP counselors can help you understand Medicare benefits, choose a Medicare prescription drug plan, answer questions about Medigap and long-term care insurance, help with Medicare claims and appeals, and point you to Medicare Savings Programs and other help in your area. Counselors do not sell insurance, and all records are confidential. Call your local Area Agency on Aging at 1-800-AGE-LINE (1-800-243-5463).

What you'll need

• Medicare card
• List of current medications (for drug plan comparisons)

Where to apply

What to say when you call

"Hello, I'm calling to ask about Alabama SHIP — free Medicare and insurance counseling. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need medicare card, list of current medications (for drug plan comparisons) — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Step by step

1. Gather your Medicare card and a list of your current medications, especially if you want help comparing drug plans.
2. Apply online or call 1-800-243-5463 to reach your local Area Agency on Aging for SHIP counseling.
3. Ask for free counseling about Medicare or other health insurance questions.
4. Share your documents and details with the counselor so they can help you understand benefits, compare prescription drug plans, answer questions about Medigap or long-term care insurance, or help with Medicare claims and appeals.
5. Ask about Medicare Savings Programs and other local help if you need extra support.

What to expect: After you apply, a SHIP counselor will talk with you about your Medicare or insurance questions. Counseling is free, counselors do not sell insurance, and your records are confidential. SHIP can help you understand options and find other programs, but those programs have their own eligibility rules. There is no renewal for SHIP counseling.

Renewals

none