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Every state has free Medicare counselors who don't sell anything. They'll help you compare plans, understand a bill, or appeal a denial.
The national center that supports state SHIP programs. It can point you to your state's SHIP but does not counsel individuals itself.
When to use it: Use if you cannot find your state SHIP online and need help getting connected.
This number is not a counseling line; your local SHIP gives the actual one-on-one help.
Centers for Medicare & Medicaid Services (CMS)
Medicare's official tool to compare Medicare Advantage and Part D drug plans in your parent's area by cost, covered drugs and pharmacies.
When to use it: Use during open enrollment or after a move into a facility, which can open a chance to change drug plans.
Moving into or out of a nursing home can let your parent switch drug plans; check before the move.
24/7, except some federal holidays
Centers for Medicare & Medicaid Services (CMS)
Medicare's tool to see which Medicare Supplement (Medigap) policies are sold in your parent's area and what they cover.
When to use it: Use when reviewing whether your parent's supplement insurance is worth keeping or changing.
Outside certain protected periods, Medigap insurers in most states can use medical underwriting; talk to your SHIP before dropping a policy.
24/7, except some federal holidays
SMP National Resource Center (funded by ACL)
Free local SMP programs help people spot, report and prevent Medicare fraud, errors and abuse, such as bills for services your parent never got. The locator lists programs in every state, D.C. and territories.
When to use it: Use when a Medicare statement shows charges that look wrong or someone is pushing unneeded equipment or tests.
Medicare Rights Center
A national nonprofit helpline that answers questions about Medicare choices, rights and protections, payment denials and appeals, complaints about care, and Medicare bills. Services are available in Spanish.
When to use it: Call when you are stuck on a Medicare denial, appeal or bill and want free expert help.
Mon-Fri
Centers for Medicare & Medicaid Services (CMS)
Medicare's ombudsman helps with Medicare-related complaints, grievances and information requests. You reach it through 1-800-MEDICARE.
When to use it: Use when you have a complaint about how Medicare or a Medicare plan handled your parent's case.
24/7, except some federal holidays (TTY 1-877-486-2048)