How to apply for State Health Insurance Assistance Program (SHIP) — Maryland

Who it's for

Maryland SHIP counselors give free, unbiased help with Medicare: comparing Part D and Advantage plans, applying for Extra Help and Medicare Savings Programs, and untangling bills and appeals. Counseling is delivered through every local Area Agency on Aging. Call 1-800-243-3425 to reach the program.

What you'll need

• Medicare card (helpful when calling)

Where to apply

What to say when you call

"Hello, I'm calling to ask about State Health Insurance Assistance Program (SHIP) — Maryland. 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 (helpful when calling) — 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 before reaching out — having it on hand makes the conversation go more smoothly.
2. Choose how you want to connect: call 1-800-243-3425 or apply online through the Maryland SHIP program page.
3. Speak with a free SHIP counselor who can help you compare Part D and Medicare Advantage plans, apply for Extra Help or Medicare Savings Programs, and sort out bills or appeals.
4. Follow any next steps your counselor recommends, such as submitting applications for additional programs they identify for you.

What to expect: After you connect with a SHIP counselor, you will receive free, unbiased guidance tailored to your Medicare questions and needs. Counselors are available through every local Area Agency on Aging across Maryland. Because SHIP provides counseling rather than a benefit enrollment, there is no formal approval wait and no renewal required — you can call back any time your Medicare situation changes. This service is free for Medicare beneficiaries of any age and for their caregivers.

Renewals

none