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What is SHIP Counseling?


The State Health Insurance Assistance Program (SHIP) provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance. SHIP is a statewide program administered by the New Jersey Department of Human Services with financial assistance through a grant from the U.S. Administration for Community Living.


What kind of assistance is offered?


Medicare beneficiaries frequently have questions about benefits, claims, supplement policies (known as Medigaps) and Medicare Advantage plans. Volunteer counselors, trained in areas of health insurance coverage and benefits that affect Medicare beneficiaries, provide information and assistance for dealing with claims and in evaluating health insurance options. If you are brand new to Medicare or will be enrolling in Medicare soon, SHIP counselors can guide you through your options, give you resources and help guide you to the type of plan that best fits your medical and financial status. Counselors also provide assistance during open enrollment (held each year from October 15 through December 7) to ensure the medical and prescription coverage you have still works for you and is the best value for you.


What is the cost?


Counseling is free of charge. Volunteer counselors do not provide legal advice, sell, recommend or endorse any specific insurance product, agent, insurance company or plan. They provide information and assistance so that you can make your own decisions.


How do I make an appointment?


The Spotswood Office on Aging provides Medicare (SHIP) counseling services right at the senior center. Call our office at (732) 251-3432 and ask to speak with a SHIP Counselor.

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