Free Medicare counseling in Kentucky
Every state has a State Health Insurance Assistance Program — SHIP for short — that gives one-to-one Medicare help at no charge. It is paid for by a federal grant. The counselors sell nothing, represent no insurance company, and are paid exactly the same whatever you decide.
In Kentucky, SHIP is called State Health Insurance Assistance Program (SHIP)
Most states give the program their own name, which is why you may have been handed a leaflet that never says "SHIP" anywhere on it. If someone in Kentucky tells you to call State Health Insurance Assistance Program (SHIP), this is what they mean.
Kentucky uses the federal name as it stands. No local rebrand, no extra letters.
- Phone
- 1-877-293-7447
- Official website
- https://www.chfs.ky.gov/agencies/dail/Pages/ship.aspx ↗
Call and choose option 2. Email [email protected].
It is free. Not free-with-a-catch, not free-if-you-enrol. There is no charge for the appointment and the counselor is not paid on commission.
How it works in Kentucky
Who runs it, and how you reach a counselor
It runs out of the Department for Aging and Independent Living, inside the Cabinet for Health and Family Services. The counseling reaches people through 14 Area Agencies on Aging and Independent Living covering all 120 Kentucky counties, and the state publishes a direct number for each one — so you can skip the statewide line entirely if you know your region.
- From the statewide number, choose option 2.
What a State Health Insurance Assistance Program (SHIP) counselor can help with
Go through the options with you, against your own situation
Your medicines, your doctors, your budget — a counselor sits with all three and walks through what each plan would actually cost you. Not what is popular; what fits.
Appeal a denial or a penalty
If coverage was refused, a drug was rejected, or a late-enrollment penalty appeared, counselors know the appeal routes and the deadlines and will help you write it up.
Check whether you qualify for help paying
They screen for the Medicare Savings Programs, which can pay your Part B premium, and for Extra Help with drug costs. Many people who qualify have no idea these exist.
Sort out billing and report fraud
They read confusing statements with you, chase billing errors, and take reports of Medicare fraud and the phone scams that target people on Medicare.
What they will not do
- They do not sell insurance, and they earn nothing whichever plan you pick — or if you pick none.
- They cannot enrol you against your wishes or make the decision for you. The choice stays yours.
- They cannot overturn a Social Security or Medicare determination themselves — but they can help you appeal one.
- They are not a law firm and do not give legal advice.
That short list is the point. A counselor who cannot earn anything from your decision is the only person in this whole business with no reason to steer you.
What to have with you when you call
None of this is required, and nobody will turn you away without it. It just means the counselor can answer properly the first time instead of asking you to call back.
- Your red, white and blue Medicare card — or the letter that told you your number.
- A list of your medicines with the doses, exactly as the label reads.
- The names of the doctors and hospitals you want to keep using.
- Any letters about your coverage, including anything that mentions a penalty or a denial.
- A rough idea of your monthly income and savings, if money is tight — that is what the help-paying screening runs on.
Say plainly if money is tight. The counselor is not judging your finances — the programs that pay Part B premiums and cut drug costs have income and savings limits, and the screening cannot happen if the subject never comes up. It is free either way, and the counselor is paid the same whatever you decide.
Why you rarely see this mentioned elsewhere
Most websites that come up when you search for Medicare help are paid when you enrol — by an insurance company, or by an agency that sells on the details of people who fill in a form. Free counseling from someone with nothing to sell is competition for that, so it is often simply left out. That is a straightforward business fact, not a conspiracy, and it is worth knowing when you are deciding whose number to call. We take no commissions and sell no insurance, which is why we can name the program in Kentucky without it costing us anything.
If the Kentucky line is busy
Use the national SHIP line on 877-839-2675 or the national directory at shiphelp.org ↗. Both route you back to Kentucky, and both are free.
If what you actually need is the aging office nearest you — for meals, transport, caregiver support or the counseling itself — the federal Eldercare Locator ↗ looks it up by ZIP code, and it answers on 1-800-677-1116. It is run by the same federal agency that funds State Health Insurance Assistance Program (SHIP), and several states send out-of-state callers to it rather than to their own line.
For plan choices you would rather make yourself, the official tool is the Medicare Plan Finder (medicare.gov) ↗, and Medicare's own help line is 1-800-MEDICARE (1-800-633-4227), open around the clock. We do not rank or recommend plans, here or anywhere on this site.
Verified 2026-08-02 against SHIP National Technical Assistance Center (effective 2026-01-01)— an industry survey, not a government figure. Why we use it.
Common questions
- Is Medicare counseling in Kentucky really free?
- Yes. The program is funded by a federal grant through the Administration for Community Living. There is no charge for an appointment, no membership, and no fee at any point. Counselors are not paid a commission and earn nothing from the plan you choose.
- Will they try to sell me a plan?
- No. Counselors do not sell insurance and are not licensed agents acting on a carrier’s behalf. Their job is to explain your options; whichever you choose, their pay is the same.
- What should I bring to an appointment?
- Your Medicare card, a list of your medicines with the doses, the names of the doctors you want to keep, and any letters you have received about your coverage. If money is tight, say so — they will screen you for programs that help pay premiums and drug costs.
Before you call, it helps to have your own numbers in front of you: the Kentucky Medicaid long-term-care limits and what care costs in Kentucky are the two things counselors ask about most.