Medicare beneficiaries, their families, and caregivers living in the District of Columbia can access free health insurance information, counseling, education, and assistance through the DC State Health Insurance Assistance Program (SHIP).
Our SHIP counselors are trained to provide the information you need and can work with you directly to help you understand Medicare so you can make informed decisions about your healthcare and insurance coverage.
We can also assist with resolving unpaid medical bills, filing appeals for denied medical services, and obtaining prescription medications. Connect with a counselor today at (202) 727‑8370 to get your questions answered and better understand your coverage and options.
Frequently Asked Questions
What is Medicare? Medicare is the federal health insurance program for:
- People who are 65 or older
- People under 65 with disabilities
- People with End‑Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant)
What is Original Medicare? Original Medicare—formerly called “Fee‑for‑Service Medicare”—includes:
- Part A (Hospital Insurance)
- Part B (Medical Insurance)
This is the traditional federal Medicare program.
What are the different parts of Medicare?
Part A (Hospital Insurance)
Helps pay for:
- Inpatient hospital care
- Skilled nursing facility care (after a qualifying hospital stay)
- Some home health services
- Hospice care
Most people receive Part A premium‑free, but deductibles, co‑insurance, and co‑pays still apply.
Part B (Medical Insurance)
Helps pay for:
- Doctor visits
- Outpatient medical services
- Preventive services
- Medical supplies and durable medical equipment
Part B requires a monthly premium, an annual deductible, and typically a 20% co‑insurance. Beneficiaries must have both Part A and Part B to enroll in Medigap or Medicare Advantage plans.
Part D (Prescription Drug Coverage)
Helps cover the cost of prescription medications, including many recommended vaccines and shots.
