State Health Insurance Assistance Program

FREE, Unbiased Help Navigating Medicare 

SHIP provides free, unbiased help to Medicare-eligible beneficiaries, their families, and caregivers. Whether you are new to Medicare, reviewing Medicare plan options, or have questions about how to use Medicare, SHIP can help. Trained staff and volunteer counselors are available in all 23 counties and Baltimore City for one-on-one assistance and community education that can help you get the right coverage for you and save you money.​​

2025 Medicare Prescription Drug Expenses

Two major changes are taking effect in 2025 in Medicare Part D that will help older adults manage their prescription drug expenses.

Following action from Congress, Medicare Part D plans now must cap enrollees’ out-of-pocket spending on covered prescription drugs at $2,000 a year. Part D beneficiaries also have the opportunity to spread or smooth their drug costs over a calendar year. Click here to read full article. ​
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Medicare Open Enrollment: October 15 - December 7

​Medicare Open Enrollment starts on October 15th and runs through December 7th. State Health Insurance Assistance Program (SHIP) counselors are available to provide free, unbiased assistance as you compare your current plans with new options.

Open Enrollment is your time to review your Medicare health and drug coverage and decide if you want to make changes. Because Medicare costs and benefits can change each year, comparing your options could help you find better coverage or save money.

Medicare can be confusing, so don't hesitate to reach out to a trained SHIP counselor in your area for help or guidance.​

Become a SHIP Volunteer

Additional Resources​