Answer 6: B
Every state has a State Health Insurance Assistance Program, or SHIP. Its trained counselors help you compare plans, understand bills and appeal denials, for free, and they do not sell insurance. You can find your state’s program at shiphelp.org. TV ad hotlines are usually run by brokers or agencies that may show only the plans they are paid to sell.
How did you do?
- 6 correct: You know the rules better than most new members. Use that to double-check your own plan before your next chance to change it.
- 3 to 5 correct: You have the basics. Review the answers you missed, especially the Medigap rule, before making any change.
- 0 to 2 correct: You are not alone; these rules catch many people. Start with the guides below or talk to your SHIP counselor.
Keep reading
- Unhappy With Your Medicare Advantage Plan? You Get One Do-Over Between January 1 and March 31
- Medigap Plan G vs. Plan N: Which Supplement Protects Your Wallet Better?
- 7 Medicare Mistakes That Can Cost You Thousands
This quiz is general information, not legal or insurance advice. Rules have exceptions and differ by state; confirm your options with Medicare, your plan or a SHIP counselor.