WELCOME TO HICAP
Medicare Made Easier.
Guidance You Can Trust.
Medicare can be confusing. Getting help shouldn’t be.
The Health Insurance Counseling & Advocacy Program
(HICAP) provides free, confidential, and unbiased
Medicare counseling to help you understand your
benefits, rights, and coverage options.
Whether you’re enrolling for the first time,
comparing plans, or resolving a Medicare issue,
our trained counselors are here to help.
✓ Independent Advice
✓ Confidential Support
DISCOVER HICAP
Watch this short introduction to learn how HICAP
can help you navigate Medicare with confidence.
One-on-One Guidance
Get answers to your Medicare questions from trained
counselors who take the time to understand your situation.
Unbiased Information
We don’t sell insurance or receive commissions.
Our role is to help you understand your choices,
not promote a particular plan.
Always Free
Our Medicare counseling services are available
at no cost. You don’t need to purchase anything
to receive assistance.
Medicare Support for You and Your Family
HICAP is here for people at different stages of
their Medicare journey, including:
- People currently enrolled in Medicare
- Individuals approaching Medicare eligibility
- People comparing Medicare coverage options
- Family members helping loved ones with Medicare
- Caregivers seeking information and guidance
- People experiencing Medicare billing or coverage problems
Practical Help with Medicare Questions
Our trained counselors provide information and
assistance on a wide range of Medicare topics.
- Understanding Original Medicare (Parts A and B)
- Comparing Medicare Advantage (Part C) plans
- Reviewing prescription drug coverage (Part D)
- Understanding Medigap supplemental insurance
- Learning about Medicare enrollment periods
- Reviewing Medicare notices and medical bills
- Understanding Medicare rights and protections
- Appealing coverage and payment denials
- Exploring programs that may help with Medicare costs
- Understanding retiree or employer coverage and Medicare
When appropriate, we can also help connect you
with additional resources, advocacy services,
and other available assistance.
Serving Nine Northern California Counties
HICAP Services provides Medicare counseling
and education to residents of:
- El Dorado
- Nevada
- Placer
- Sacramento
- San Joaquin
- Sierra
- Sutter
- Yolo
- Yuba
Not sure where to begin? Contact our team
and we’ll help you find the right assistance.
Your Needs Come First. Always.
We believe everyone deserves access to clear,
accurate, and trustworthy Medicare information.
HICAP counselors do not sell insurance policies,
receive insurance commissions, or endorse
specific insurance companies or health plans.
Our goal is simple: help you understand your
options and make decisions that fit your
individual healthcare needs and circumstances.
HICAP Services is a program of
Legal Services of Northern California
.
HICAP operates as part of California’s
Health Insurance Counseling and Advocacy Program
.
Have Questions? We’re Here to Help.
Get free, confidential Medicare counseling
from a trained HICAP counselor.
No sales pressure. No obligation. Just guidance.