How to apply for VICAP — Virginia Insurance Counseling and Assistance Program

Who it's for

VICAP is Virginia's free, unbiased Medicare counseling program (the State Health Insurance Assistance Program). Trained counselors at the local Area Agency on Aging help compare Medicare Part D and Medicare Advantage plans, understand Medigap, appeal denials, and apply for low-income assistance programs. Counselors sell nothing. Any Medicare beneficiary can use VICAP, including people under 65 with disabilities. Call 1-800-552-3402 or contact the local Area Agency on Aging.

What you'll need

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

Where to apply

What to say when you call

"Hello, I'm calling to ask about VICAP — Virginia Insurance Counseling and Assistance Program. 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 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 current list of your medications before reaching out — having these ready helps counselors compare plans accurately.
2. Contact VICAP by calling 1-800-552-3402 or reach out to your local Area Agency on Aging to request free Medicare counseling.
3. You may also apply or connect with a counselor online through the VICAP program if that is more convenient for you.
4. Speak with a trained VICAP counselor who will review your Medicare card and medication list to help you compare Medicare Part D, Medicare Advantage, or Medigap plans — or assist with appeals and low-income assistance programs.
5. Follow any additional steps the counselor recommends, such as submitting an application for a low-income assistance program on your behalf.

What to expect: After you connect with a VICAP counselor, you will receive free, unbiased guidance tailored to your Medicare situation — with no sales pressure of any kind. Counselors can help you compare plans, understand your coverage options, appeal a denial, or apply for programs that lower costs. Because VICAP counseling is an ongoing resource, plan to reconnect with your local Area Agency on Aging each year during Medicare's annual enrollment period so your coverage still fits your needs.

Renewals

annual