The State Health Insurance Assistance Program, or SHIP, is a nationwide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances. SHIP is not affiliated with any insurance company or agency and does not sell insurance.

In Central Indiana, CICOA Aging & In-Home Solutions provides expert SHIP counseling through telephone or face-to-face interactions, public education presentations, and media activities. CICOA also has experts who can assist with application for Extra Help and Medicare Savings Programs.

What is the Low Income Subsidy (LIS) or “Extra Help”?

Extra Help will pay for these costs associated with a Medicare Prescription Drug Plan:

  • Monthly premiums
  • Annual Deductibles
  • Prescription co-payments

Who is eligible?

  • Anyone who has Medicare Prescription Drug Plan and with limited income

What is the Medicare Savings Program (MSP)?

Three categories of help are available:

  • QMB – Qualified Medicare Beneficiary
    • For individuals at or below 150% FPL (Federal Poverty Level)
    • Pays for Part A and Part B premiums, deductibles, and co-insurance
  • SLMB – Specified Low Income Medicare Beneficiary and QI-Qualified Individual
    • For individuals at or below 185% FPL
    • Pays for Medicare Part B Premium only

Who is eligible?

  • This is a program provided through Indiana’s Medicaid program for Medicare beneficiaries with low incomes and limited resources.