The Senior Health Insurance Information Program (SHIP) is a
free health benefits counseling service for Medicare beneficiaries and their
families or caregivers. SHIP educates, advocates, counsels and empowers people
to make informed healthcare benefit decisions. SHIP is a federally funded program
and is not affiliated with the insurance industry.
SHIP helps older adults navigate the
complexities of Medicare. We provide assistance to help minimize out of pocket
healthcare expenditures and resolve billing errors, fraud, and abuse issues.
SHIP counseling is FREE of charge. Call (385) 468-3200.
Senior Medicare Patrols (SMPs) empower and assist Medicare
beneficiaries, their families, and caregivers to detect and report health care
fraud and abuse.
State Health Insurance Assistance Programs (SHIPs) provide
free help to Medicare beneficiaries who have questions or issues with their
health insurance. If you’re not a resident of Salt Lake County, you can call a
counselor or attend a workshop in your area by contacting your Local Area Agency on Aging.
You may qualify for Medicare if:
Some people automatically get Part A and Part B. Find
out if you’ll get Part A and B automatically. If you're automatically
enrolled, you'll get your red, white, and blue Medicare card in the mail 3
months before your 65th birthday or your 25th month of disability. If you don't
get Medicare automatically, you’ll need to apply for Medicare online.
The first time you can enroll is called your Initial
Enrollment Period. Your 7-month Initial Enrollment Period includes the three
months before the month you turn 65, the month in which you turn 65, and the
three months that follow. During this time, you may enroll into Part A and Part
B, as well as pick up prescription drug coverage.
Outside of the Initial Enrollment Period there are several
other circumstances which will grant you a Special Enrollment Period, such as
when you move outside of your service area or you lose creditable coverage
through an employer. See
if your special circumstance qualifies you for a Special Enrollment Period.
For Part D or Medicare Advantage plans, you can visit Medicare.gov to self-enroll or contact your local SHIP agency for
If you do not qualify for Medicare or Medicaid, you may
check to see what your options are with the Health Insurance Marketplace at healthcare.gov.
Medigap is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare.
The best time to buy a Medigap policy is during your 6-month
Medigap open enrollment window. This window begins when you are 65 years of age
or older AND you get Medicare Part B. During this time, you have Guaranteed Issue Right – that is, you
cannot be subject to medical underwriting when companies are providing you with
If you apply for Medigap coverage after your open enrollment
period, there's no guarantee that an insurance company will sell you a Medigap
policy if you don’t meet the medical underwriting requirements. You may
purchase a Medigap policy at any time otherwise.
Volunteers help beneficiaries with healthcare benefits information, healthcare fraud and abuse, and difficult insurance concerns. Tasks Include:
To volunteer you must:
Please have the following available when you call:
If calling regarding fraud/insurance concerns, have appropriate documentation.
Salt Lake County Aging & Adult Services
Senior Health Insurance Information ProgramSenior Medicare Patrol Program
2001 S State St STE S1-600
Salt Lake City, Utah 84114-4575