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Understanding SHIP and How It Differs from Insurance Brokers

When it comes to health insurance, especially Medicare, the choices can feel overwhelming.

That’s where SHIP comes in. SHIP (State Health Insurance Assistance Program) is a free service available in every state. It provides one-on-one counseling to help people understand their Medicare coverage, compare plans, and find programs that may lower costs. Each state may call their SHIP program something different but will all refer to Health Insurance Counseling. The key point: SHIP counselors are unbiased. They don’t sell insurance and don’t earn commissions, so their only goal is to help you make informed decisions. Insurance brokers are licensed professionals who sell insurance policies. They are paid by insurance companies when you enroll in a plan, which means their recommendations may be influenced by what products they sell. Many brokers are very knowledgeable and can provide valuable help, but unlike SHIP counselors, they have financial stake in the decision. So, when should you see a SHIP counselor versus a broker? Go to a SHIP counselor if you want to understand your Medicare options, compare plans in an unbiased way, or learn about assistance programs that could save you money. Turn to an insurance broker if you’ve already decided you want to buy a specific type of plan, like a Medicare Advantage or Medigap policy and you’re ready to work with someone who can complete the enrollment for you. In short, SHIP helps you understand the map; brokers help you buy the ticket. Here are five key questions to ask, whether you’re speaking with a SHIP counselor or an insurance broker:

  1. What are all my Medicare options, and how do they differ?
  2. Which programs could help lower out-of-pocket costs for prescriptions or care?
  3. How would changing my plan affect the doctors and hospitals I can use?
  4. What extra benefits (like dental, vision, or transportation) are available with certain plans?
  5. Do you earn money or commissions from the plan you’re recommending to me?

By asking these questions and knowing the difference between SHIP counselors and insurance brokers, you can make smarter choices for yourself or your loved ones and avoid surprises.