February, 2010:
What's New
The Welcome to Medicare class schedule for January through April 2010 is posted. To see the locations and times the classes will be offered, and phone numbers to make a reservation, follow this link
Help! I’m going to hit the ‘Donut
Hole’ – What can I do?
There's a link on our "Donut Hole" page to NeedyMeds.org, a site that lists assistance programs that help with the costs of medicine and healthcare; follow this link
We have a Medi-Cal fact sheet for seniors who live in Contra Costa County. To visit our ‘Medi-Cal Facts for Seniors’ page, follow this link.
A HICAP Volunteer training class has been scheduled for May 2010; to learn more about becoming a HICAP volunteer counselor and see the schedule, follow this link
Welcome to Contra Costa County HICAP
What is HICAP?
HICAP is the Health Insurance Counseling and Advocacy Program for those who are eligible for Medicare and who are living in California. It is sponsored nationally by Medicare; in California by the State of California Department of Aging; and in Contra Costa County by the County Department of Aging and Adult Services Area Agency on Aging. In California HICAP services are available in each county. Click here to go to the California Health Advocates webpage where there is a list of telephone numbers for other HICAP offices in California if you don't live in Contra Costa County.
All other states and several U.S. Territories have similar programs; many of those use the name SHIP (State Health Insurance Assistance Program), others use the name HICAP, and others have their own name for their program. Click here to go to the Medicare.gov webpage where there is a list of contact information for other states if you don't live in California.
HICAP provides free, unbiased information and
counseling about Medicare and related health insurance,
including long term care insurance. This way you won't
have to navigate the huge amount of information by
yourself.
HICAP also helps with Medicare claims and appeals, helps with referrals for legal assistance for health insurance
matters when necessary, and provides information to people who need extra help with the costs of their health care.
Click here for a list of phone numbers where you can make an appointment to get one-on-one counseling at locations throughout Contra Costa County.
Counseling is offered by volunteers who receive extensive training and are registered with the State of California Department of Aging, per the Welfare and Institutions Code, Section 9785 (c) Chapter 869, Statutes of 1990. Contra Costa County HICAP also provides community education on Medicare and health related issues.
HICAP does not sell, endorse, or recommend any specific insurance product or service.
What should you look for when shopping for health insurance?
- Compare premiums
- Compare deductibles and copays
- Buy from a reputable agent
- Beware of sales pressure
- Meet with a HICAP counselor!
- List companies offering Medicare health plans
- Compare companies and their policies
- Get a written outline of coverage from each plan
- Investigate coverage and limits of each policy
- Check eligibility requirements and restrictions