What is SHIP?

The State Health Insurance Assistance Program (SHIP) provides free, local, in-depth and objective insurance counseling and assistance to Medicare-eligible individuals, their families and caregivers.

SHIP is a statewide program administered by the New Jersey Department of Human Services with financial assistance through a grant from the U.S. Administration for Community Living.

How can SHIP help?

Our SHIP counselors can guide you through the process and help you avoid making any expensive errors.

Medicare can be complicated – contact us for answers.

Contact SHIP for assistance.

Contact SHIP to find out about assistance programs you or your loved one might be eligible for.

Contact SHIP for local, one-on-one assistance with reviewing health or prescription drug plan options.

Our SHIP counselors can explain how Medicare works with supplemental policies, retiree coverage, Medicaid and other insurances.


Many of our counselors are dedicated volunteers who undergo 6 days of training and regular updates to make sure they can answer your questions – why not hear from some of them yourself on this video Who are NJ SHIP Counselors?

Check out this simple guide to Understanding Your Medicare Choices

Follow these simple instructions on How to Create a MY Medicare Account

Follow these simple instructions on How to Create a MY Medicare Account

Programs to help with Medicare costs


If your monthly income is below $4,345 and you are single, or jointly $4,934 if you are married, you are likely eligible for assistance with prescriptions costs and more.

The SHIP team can help you in understanding the eligibility guidelines and in applying for these programs using the NJ Save application.

Find out more about NJ Save.

Benefits Enrollment Centers (BECs) help low-income Medicare beneficiaries enroll in all of the benefits they may be missing.

The BECs focus on connecting Medicare beneficiaries with limited incomes to these core benefits:

BECs also help seniors and younger adults with disabilities to apply for other programs, such as Supplemental Security Income, State Pharmaceutical Assistance Programs, local transportation assistance, tax relief, and more.

BECs are supported with funding from the Medicare Improvements for Patients and Providers Act (MIPPA), administered through the U.S. Administration for Community Living (ACL).  The National Council on Aging (NCOA) has been the MIPPA Resource Center supporting the creation of BECs since 2009.