Maryland Free Medicare Counseling (SHIP)
About Maryland SHIP
Maryland SHIP offers free Medicare counseling through the Department of Aging.
SHIP counselors are trained volunteers who provide free, unbiased Medicare counseling. They can help you understand your options, compare plans, and resolve problems with your coverage.
What Maryland SHIP Can Help With
Medicare Enrollment
- • Initial enrollment assistance
- • Part A and Part B sign-up
- • Special Enrollment Periods
Plan Comparisons
- • Medicare Advantage vs Original
- • Medigap/Supplement plans
- • Part D drug plan comparisons
Billing & Claims
- • Understanding EOBs
- • Resolving billing issues
- • Filing appeals
Cost Assistance
- • Extra Help (LIS) applications
- • Medicare Savings Programs
- • Medicaid eligibility
🆓 All Services Are Free
Maryland SHIP counselors are volunteers who provide objective advice. They do not work for insurance companies and will never try to sell you anything. All services are free and confidential.
How to Get Help
- 1
Call the Hotline
Call 1-800-243-3425 to speak with a counselor or schedule an appointment.
- 2
Gather Your Information
Have your Medicare card, current plan documents, and any bills or letters ready.
- 3
Meet with a Counselor
Get free, unbiased help by phone, video, or in person at a local site.
Frequently Asked Questions
Is Maryland SHIP really free?
Yes, all SHIP services are 100% free. SHIP is funded by federal grants and administered by state agencies. Counselors are volunteers who receive no commission.
Will they try to sell me insurance?
No. SHIP counselors provide unbiased information only. They do not sell insurance, represent any company, or receive any payment based on what you choose.
Can they help me switch plans?
Yes. Counselors can help you compare Medicare Advantage plans, Medigap policies, and Part D drug plans. They'll explain your options so you can make an informed choice.
When is Maryland SHIP available?
Most SHIP programs operate during business hours, with extended hours during Medicare Open Enrollment (October 15 – December 7). Call 1-800-243-3425 for current hours.