Get Free Help with Medicare Concerns

 

When someone with Medicare finds his or her way to my office phone, it’s often because of a complicated and snarly issue that’s going to take time to fix. However, it’s sometimes a Medicare beneficiary who found my number somewhere and called for some basic help in understanding their coverage. I love those calls because I have a quick and easy answer for folks like that. 

I refer them to the State Health Insurance Assistance Program, or SHIP. There’s a SHIP in every state in the country. I have phone numbers for the ones in my Medicare region written on a card right next to my phone, and I refer to it often. SHIPs are nonprofit organizations that help people with Medicare understand their benefits better. 

The counseling is personalized and it’s absolutely free. They aren’t connected to any insurance company or health plan, so they’re not trying to sell you any kind of product. If you’re eligible for Medicare, you’re eligible for assistance from your local SHIP. You can talk to a SHIP counselor over the phone, or go to your local SHIP office for face-to-face assistance.

The quality of the counseling is terrific. Many SHIP counselors have Medicare themselves and they’re well-trained to answer your questions. They know all the ins and outs of the program, whether you have Original Medicare (where you choose the doctor or hospital you want and the government pays your providers directly) or Medicare Advantage (in which private insurers offer health-care services through a specific network of doctors, hospitals, and other providers). SHIPs also can help with Part D prescription drug insurance.

And did I mention that SHIP counseling is free? 

SHIP counselors can help you with billing problems; complaints about your medical care or treatment; shopping for a Medicare Advantage health plan or Part D prescription drug plan that meets your needs; and appealing coverage or payment decisions by Medicare or your Medicare plan.

They can also explain how Medicare works with other insurance. Get in touch with SHIP by calling 800-434-0222.

Of course, there are other ways besides SHIP to get information about Medicare. One excellent resource is the Medicare & You handbook, which is mailed to Medicare beneficiaries every fall.

Medicare & You is a gold mine of easy-to-understand information about how Medicare works, how to enroll, what services are covered, and many other topics. The handbook also lists all Medicare Advantage and Part D plans available in your area, their costs, and contact information for each one. 

You can find the latest edition of Medicare & You online at: www.medicare.gov/Pubs/pdf/10050.pdf.

Help is also available through the Medicare customer service center, at 800-MEDICARE (800-633-4227; TTY users call 877-486-2048). The call center is open 24 hours a day, including weekends.

Another helpful resource is the official Medicare website, at www.Medicare.gov. 
The website has a wide variety of information about Medicare health and prescription drug plans in your area, including what they cost and what services they provide. Medicare also rates the plans based on its Five-Star Rating System.

You can look for doctors or other health-care providers and suppliers who participate in Medicare, and see what Medicare covers, including preventive care services like cancer screenings and vaccinations.

At www.Medicare.gov, you can also get Medicare appeals information and forms; obtain information about the quality of care provided by plans, nursing homes, hospitals, home health agencies and dialysis facilities; and look up helpful websites and phone numbers.

 

 

Cate Kortzeborn is Medicare’s regional administrator for Arizona, California, Hawaii, Nevada and the Pacific Territories. You can always get answers to your Medicare questions by calling 800-MEDICARE (800-633-4227).