The State Health Insurance Assistance Program (SHIP) meets one of the most universal needs of Medicare beneficiaries, including those under 65 years of age – understanding their health insurance benefits, bills, and rights. The Maryland SHIP program provides trained staff and volunteer counselors in all 24 counties, including Carroll. Counselors provide in-person and telephone assistance in the following areas:

• Medicare Prescription Drug Coverage Program (Medicare Part D)
• Medicare supplements (Medigap Plans)
• Assistance for disabled Medicare beneficiaries (under age 65)
• Medicare Advantage Plans (HMOs, preferred provider organizations)
• Long-Term Care Insurance
• Medical Assistance programs
• Assistance for low-income beneficiaries
• Assistance with denials, appeals, and grievances
• Billing concerns
• Healthcare fraud and abuse
• Volunteer opportunities
• Free community presentations and much, much more!
  • Video of Transitioning to Medicare Part 1 Workshop
  • Video of Transitioning to Medicare Part 2 Workshop

SHIP counseling services are confidential and free of charge.

Carroll County Division of Aging and Disabilities 
125 Stoner Avenue, Westminster, MD 21157
410-386-3800; Maryland Relay Service 711/800-735-2258
Fax 410-840-0436