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The SHIP Program (State Health Insurance Assistance Program) offers free, unbiased help for older adults and families trying to understand Medicare. SHIP counselors can help explain coverage options, compare plans, answer billing questions, and guide families through the often confusing world of Medicare decisions.

The Medicare GUIDE Program is designed to support people living with dementia and the family members who care for them. It may provide care coordination, caregiver education, respite services, and ongoing support to help families navigate the challenges of dementia while improving quality of life.

Area Agencies on Aging (AAA) are federally funded local organizations that help older adults and their families connect with important support services in their community. They can assist with resources like meal delivery, transportation, caregiver support, respite care, benefits counseling, and programs that help seniors remain safer and more independent at home.

Medicaid’s 5-year look-back period is a financial review used when someone applies for long-term care Medicaid coverage. During this process, Medicaid examines financial transactions and asset transfers made within the previous five years to determine whether assets were gifted or transferred in a way that could affect eligibility for benefits.